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$82,049
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,601
−HK$2,593/mo
Today · 4.125%
HK$87,194
baseline
▲ 0.50% · 4.625%
HK$92,499
+HK$5,305/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$174,388/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,278
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,726
−HK$2,484/mo
Today · 4.125%
HK$96,210
baseline
▲ 0.50% · 4.625%
HK$101,281
+HK$5,071/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$192,420/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,458
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,521
−HK$3,111/mo
Today · 4.125%
HK$104,632
baseline
▲ 0.50% · 4.625%
HK$110,999
+HK$6,367/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$209,264/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,534
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,471
−HK$2,981/mo
Today · 4.125%
HK$115,452
baseline
▲ 0.50% · 4.625%
HK$121,537
+HK$6,085/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$230,904/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,868
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$118,441
−HK$3,630/mo
Today · 4.125%
HK$122,071
baseline
▲ 0.50% · 4.625%
HK$129,499
+HK$7,428/mo
Deposit HK$10.79M · loan HK$25.19M · min. income ≈ HK$244,142/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,789
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$131,217
−HK$3,476/mo
Today · 4.125%
HK$134,693
baseline
▲ 0.50% · 4.625%
HK$141,793
+HK$7,100/mo
Deposit HK$10.79M · loan HK$25.19M · min. income ≈ HK$269,386/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,687
−HK$9,262/mo
▼ 0.25% · 3.875%
HK$152,281
−HK$4,668/mo
Today · 4.125%
HK$156,949
baseline
▲ 0.50% · 4.625%
HK$166,499
+HK$9,550/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$313,898/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,301
−HK$8,876/mo
▼ 0.25% · 3.875%
HK$168,707
−HK$4,470/mo
Today · 4.125%
HK$173,177
baseline
▲ 0.50% · 4.625%
HK$182,306
+HK$9,129/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$346,354/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,242 · Scale 2, in force from 26 Feb 2026)