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$81,909
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,457
−HK$2,589/mo
Today · 4.125%
HK$87,046
baseline
▲ 0.50% · 4.625%
HK$92,342
+HK$5,296/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,092/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,123
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,567
−HK$2,479/mo
Today · 4.125%
HK$96,046
baseline
▲ 0.50% · 4.625%
HK$101,109
+HK$5,063/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,092/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,291
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,349
−HK$3,106/mo
Today · 4.125%
HK$104,455
baseline
▲ 0.50% · 4.625%
HK$110,811
+HK$6,356/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$208,910/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,348
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,281
−HK$2,975/mo
Today · 4.125%
HK$115,256
baseline
▲ 0.50% · 4.625%
HK$121,331
+HK$6,075/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$230,512/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,673
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,240
−HK$3,624/mo
Today · 4.125%
HK$121,864
baseline
▲ 0.50% · 4.625%
HK$129,279
+HK$7,415/mo
Deposit HK$10.78M · loan HK$25.14M · min. income ≈ HK$243,728/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,573
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,994
−HK$3,471/mo
Today · 4.125%
HK$134,465
baseline
▲ 0.50% · 4.625%
HK$141,553
+HK$7,088/mo
Deposit HK$10.78M · loan HK$25.14M · min. income ≈ HK$268,930/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,437
−HK$9,245/mo
▼ 0.25% · 3.875%
HK$152,023
−HK$4,659/mo
Today · 4.125%
HK$156,682
baseline
▲ 0.50% · 4.625%
HK$166,216
+HK$9,534/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$313,364/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,022
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$168,421
−HK$4,462/mo
Today · 4.125%
HK$172,883
baseline
▲ 0.50% · 4.625%
HK$181,996
+HK$9,113/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$345,766/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,647 · Scale 2, in force from 26 Feb 2026)