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$81,597
−HK$5,116/mo
▼ 0.25% · 3.875%
HK$84,135
−HK$2,578/mo
Today · 4.125%
HK$86,713
baseline
▲ 0.50% · 4.625%
HK$91,990
+HK$5,277/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$173,426/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,775
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$93,210
−HK$2,470/mo
Today · 4.125%
HK$95,680
baseline
▲ 0.50% · 4.625%
HK$100,723
+HK$5,043/mo
Deposit HK$17.89M · loan HK$17.89M · min. income ≈ HK$191,360/mo (50% DSR)
Upfront cash ≈ HK$19.41M (deposit + AVD stamp duty HK$1,520,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,916
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,962
−HK$3,094/mo
Today · 4.125%
HK$104,056
baseline
▲ 0.50% · 4.625%
HK$110,388
+HK$6,332/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$208,112/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,930
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,852
−HK$2,964/mo
Today · 4.125%
HK$114,816
baseline
▲ 0.50% · 4.625%
HK$120,868
+HK$6,052/mo
Deposit HK$14.31M · loan HK$21.47M · min. income ≈ HK$229,632/mo (50% DSR)
Upfront cash ≈ HK$15.83M (deposit + AVD stamp duty HK$1,520,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,235
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$117,789
−HK$3,610/mo
Today · 4.125%
HK$121,399
baseline
▲ 0.50% · 4.625%
HK$128,786
+HK$7,387/mo
Deposit HK$10.74M · loan HK$25.05M · min. income ≈ HK$242,798/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,520,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,086
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$130,494
−HK$3,458/mo
Today · 4.125%
HK$133,952
baseline
▲ 0.50% · 4.625%
HK$141,012
+HK$7,060/mo
Deposit HK$10.74M · loan HK$25.05M · min. income ≈ HK$267,904/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,520,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,874
−HK$9,210/mo
▼ 0.25% · 3.875%
HK$151,442
−HK$4,642/mo
Today · 4.125%
HK$156,084
baseline
▲ 0.50% · 4.625%
HK$165,581
+HK$9,497/mo
Deposit HK$3.58M · loan HK$32.21M · min. income ≈ HK$312,168/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,396
−HK$8,827/mo
▼ 0.25% · 3.875%
HK$167,778
−HK$4,445/mo
Today · 4.125%
HK$172,223
baseline
▲ 0.50% · 4.625%
HK$181,302
+HK$9,079/mo
Deposit HK$3.58M · loan HK$32.21M · min. income ≈ HK$344,446/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,520,818 · Scale 2, in force from 26 Feb 2026)