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$81,655
−HK$5,120/mo
▼ 0.25% · 3.875%
HK$84,195
−HK$2,580/mo
Today · 4.125%
HK$86,775
baseline
▲ 0.50% · 4.625%
HK$92,055
+HK$5,280/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$173,550/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,521,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,840
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$93,276
−HK$2,472/mo
Today · 4.125%
HK$95,748
baseline
▲ 0.50% · 4.625%
HK$100,795
+HK$5,047/mo
Deposit HK$17.90M · loan HK$17.90M · min. income ≈ HK$191,496/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,521,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,986
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$101,034
−HK$3,096/mo
Today · 4.125%
HK$104,130
baseline
▲ 0.50% · 4.625%
HK$110,466
+HK$6,336/mo
Deposit HK$14.32M · loan HK$21.49M · min. income ≈ HK$208,260/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,521,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,008
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,932
−HK$2,965/mo
Today · 4.125%
HK$114,897
baseline
▲ 0.50% · 4.625%
HK$120,954
+HK$6,057/mo
Deposit HK$14.32M · loan HK$21.49M · min. income ≈ HK$229,794/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,521,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,317
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,873
−HK$3,612/mo
Today · 4.125%
HK$121,485
baseline
▲ 0.50% · 4.625%
HK$128,877
+HK$7,392/mo
Deposit HK$10.74M · loan HK$25.07M · min. income ≈ HK$242,970/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,176
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,587
−HK$3,460/mo
Today · 4.125%
HK$134,047
baseline
▲ 0.50% · 4.625%
HK$141,113
+HK$7,066/mo
Deposit HK$10.74M · loan HK$25.07M · min. income ≈ HK$268,094/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,521,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,979
−HK$9,216/mo
▼ 0.25% · 3.875%
HK$151,550
−HK$4,645/mo
Today · 4.125%
HK$156,195
baseline
▲ 0.50% · 4.625%
HK$165,699
+HK$9,504/mo
Deposit HK$3.58M · loan HK$32.23M · min. income ≈ HK$312,390/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,512
−HK$8,834/mo
▼ 0.25% · 3.875%
HK$167,897
−HK$4,449/mo
Today · 4.125%
HK$172,346
baseline
▲ 0.50% · 4.625%
HK$181,431
+HK$9,085/mo
Deposit HK$3.58M · loan HK$32.23M · min. income ≈ HK$344,692/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,521,902 · Scale 2, in force from 26 Feb 2026)