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$81,997
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,547
−HK$2,592/mo
Today · 4.125%
HK$87,139
baseline
▲ 0.50% · 4.625%
HK$92,441
+HK$5,302/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$174,278/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,221
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,667
−HK$2,482/mo
Today · 4.125%
HK$96,149
baseline
▲ 0.50% · 4.625%
HK$101,217
+HK$5,068/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$192,298/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,396
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,457
−HK$3,110/mo
Today · 4.125%
HK$104,567
baseline
▲ 0.50% · 4.625%
HK$110,929
+HK$6,362/mo
Deposit HK$14.38M · loan HK$21.58M · min. income ≈ HK$209,134/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,528,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,465
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,401
−HK$2,978/mo
Today · 4.125%
HK$115,379
baseline
▲ 0.50% · 4.625%
HK$121,461
+HK$6,082/mo
Deposit HK$14.38M · loan HK$21.58M · min. income ≈ HK$230,758/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,528,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,796
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$118,366
−HK$3,628/mo
Today · 4.125%
HK$121,994
baseline
▲ 0.50% · 4.625%
HK$129,417
+HK$7,423/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$243,988/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,709
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$131,134
−HK$3,475/mo
Today · 4.125%
HK$134,609
baseline
▲ 0.50% · 4.625%
HK$141,704
+HK$7,095/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$269,218/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,594
−HK$9,256/mo
▼ 0.25% · 3.875%
HK$152,185
−HK$4,665/mo
Today · 4.125%
HK$156,850
baseline
▲ 0.50% · 4.625%
HK$166,394
+HK$9,544/mo
Deposit HK$3.60M · loan HK$32.36M · min. income ≈ HK$313,700/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,528,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,197
−HK$8,871/mo
▼ 0.25% · 3.875%
HK$168,601
−HK$4,467/mo
Today · 4.125%
HK$173,068
baseline
▲ 0.50% · 4.625%
HK$182,191
+HK$9,123/mo
Deposit HK$3.60M · loan HK$32.36M · min. income ≈ HK$346,136/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,528,279 · Scale 2, in force from 26 Feb 2026)