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$81,758
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,301
−HK$2,584/mo
Today · 4.125%
HK$86,885
baseline
▲ 0.50% · 4.625%
HK$92,172
+HK$5,287/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,770/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,955
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,394
−HK$2,475/mo
Today · 4.125%
HK$95,869
baseline
▲ 0.50% · 4.625%
HK$100,922
+HK$5,053/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,738/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,110
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,161
−HK$3,101/mo
Today · 4.125%
HK$104,262
baseline
▲ 0.50% · 4.625%
HK$110,606
+HK$6,344/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$208,524/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,523,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,146
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,073
−HK$2,970/mo
Today · 4.125%
HK$115,043
baseline
▲ 0.50% · 4.625%
HK$121,107
+HK$6,064/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$230,086/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,523,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,461
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,022
−HK$3,617/mo
Today · 4.125%
HK$121,639
baseline
▲ 0.50% · 4.625%
HK$129,040
+HK$7,401/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$243,278/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,337
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,752
−HK$3,465/mo
Today · 4.125%
HK$134,217
baseline
▲ 0.50% · 4.625%
HK$141,291
+HK$7,074/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$268,434/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,164
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$151,742
−HK$4,651/mo
Today · 4.125%
HK$156,393
baseline
▲ 0.50% · 4.625%
HK$165,909
+HK$9,516/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$312,786/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,719
−HK$8,845/mo
▼ 0.25% · 3.875%
HK$168,110
−HK$4,454/mo
Today · 4.125%
HK$172,564
baseline
▲ 0.50% · 4.625%
HK$181,660
+HK$9,096/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$345,128/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,827 · Scale 2, in force from 26 Feb 2026)