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$82,020
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,571
−HK$2,592/mo
Today · 4.125%
HK$87,163
baseline
▲ 0.50% · 4.625%
HK$92,467
+HK$5,304/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$174,326/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,246
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,693
−HK$2,483/mo
Today · 4.125%
HK$96,176
baseline
▲ 0.50% · 4.625%
HK$101,245
+HK$5,069/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$192,352/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,424
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$101,485
−HK$3,111/mo
Today · 4.125%
HK$104,596
baseline
▲ 0.50% · 4.625%
HK$110,960
+HK$6,364/mo
Deposit HK$14.39M · loan HK$21.58M · min. income ≈ HK$209,192/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,528,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,495
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,432
−HK$2,979/mo
Today · 4.125%
HK$115,411
baseline
▲ 0.50% · 4.625%
HK$121,495
+HK$6,084/mo
Deposit HK$14.39M · loan HK$21.58M · min. income ≈ HK$230,822/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,528,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,828
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$118,399
−HK$3,629/mo
Today · 4.125%
HK$122,028
baseline
▲ 0.50% · 4.625%
HK$129,453
+HK$7,425/mo
Deposit HK$10.79M · loan HK$25.18M · min. income ≈ HK$244,056/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,745
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$131,171
−HK$3,475/mo
Today · 4.125%
HK$134,646
baseline
▲ 0.50% · 4.625%
HK$141,744
+HK$7,098/mo
Deposit HK$10.79M · loan HK$25.18M · min. income ≈ HK$269,292/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,636
−HK$9,258/mo
▼ 0.25% · 3.875%
HK$152,228
−HK$4,666/mo
Today · 4.125%
HK$156,894
baseline
▲ 0.50% · 4.625%
HK$166,440
+HK$9,546/mo
Deposit HK$3.60M · loan HK$32.37M · min. income ≈ HK$313,788/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,528,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,243
−HK$8,874/mo
▼ 0.25% · 3.875%
HK$168,648
−HK$4,469/mo
Today · 4.125%
HK$173,117
baseline
▲ 0.50% · 4.625%
HK$182,242
+HK$9,125/mo
Deposit HK$3.60M · loan HK$32.37M · min. income ≈ HK$346,234/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,528,705 · Scale 2, in force from 26 Feb 2026)