The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$81,684
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,224
−HK$2,582/mo
Today · 4.125%
HK$86,806
baseline
▲ 0.50% · 4.625%
HK$92,088
+HK$5,282/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$173,612/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,522,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,872
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,309
−HK$2,473/mo
Today · 4.125%
HK$95,782
baseline
▲ 0.50% · 4.625%
HK$100,831
+HK$5,049/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$191,564/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,522,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,020
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,069
−HK$3,098/mo
Today · 4.125%
HK$104,167
baseline
▲ 0.50% · 4.625%
HK$110,505
+HK$6,338/mo
Deposit HK$14.33M · loan HK$21.49M · min. income ≈ HK$208,334/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,047
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,971
−HK$2,967/mo
Today · 4.125%
HK$114,938
baseline
▲ 0.50% · 4.625%
HK$120,997
+HK$6,059/mo
Deposit HK$14.33M · loan HK$21.49M · min. income ≈ HK$229,876/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,357
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$117,914
−HK$3,614/mo
Today · 4.125%
HK$121,528
baseline
▲ 0.50% · 4.625%
HK$128,923
+HK$7,395/mo
Deposit HK$10.75M · loan HK$25.08M · min. income ≈ HK$243,056/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,221
−HK$6,874/mo
▼ 0.25% · 3.875%
HK$130,633
−HK$3,462/mo
Today · 4.125%
HK$134,095
baseline
▲ 0.50% · 4.625%
HK$141,163
+HK$7,068/mo
Deposit HK$10.75M · loan HK$25.08M · min. income ≈ HK$268,190/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,031
−HK$9,220/mo
▼ 0.25% · 3.875%
HK$151,604
−HK$4,647/mo
Today · 4.125%
HK$156,251
baseline
▲ 0.50% · 4.625%
HK$165,758
+HK$9,507/mo
Deposit HK$3.58M · loan HK$32.24M · min. income ≈ HK$312,502/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,522,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,570
−HK$8,837/mo
▼ 0.25% · 3.875%
HK$167,957
−HK$4,450/mo
Today · 4.125%
HK$172,407
baseline
▲ 0.50% · 4.625%
HK$181,495
+HK$9,088/mo
Deposit HK$3.58M · loan HK$32.24M · min. income ≈ HK$344,814/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,522,441 · Scale 2, in force from 26 Feb 2026)