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$82,037
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,589
−HK$2,593/mo
Today · 4.125%
HK$87,182
baseline
▲ 0.50% · 4.625%
HK$92,486
+HK$5,304/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$174,364/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,265
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,713
−HK$2,483/mo
Today · 4.125%
HK$96,196
baseline
▲ 0.50% · 4.625%
HK$101,267
+HK$5,071/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$192,392/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,444
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,507
−HK$3,111/mo
Today · 4.125%
HK$104,618
baseline
▲ 0.50% · 4.625%
HK$110,984
+HK$6,366/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$209,236/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,519
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,456
−HK$2,979/mo
Today · 4.125%
HK$115,435
baseline
▲ 0.50% · 4.625%
HK$121,520
+HK$6,085/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$230,870/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,852
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$118,424
−HK$3,630/mo
Today · 4.125%
HK$122,054
baseline
▲ 0.50% · 4.625%
HK$129,481
+HK$7,427/mo
Deposit HK$10.79M · loan HK$25.18M · min. income ≈ HK$244,108/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,772
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$131,198
−HK$3,477/mo
Today · 4.125%
HK$134,675
baseline
▲ 0.50% · 4.625%
HK$141,774
+HK$7,099/mo
Deposit HK$10.79M · loan HK$25.18M · min. income ≈ HK$269,350/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,667
−HK$9,260/mo
▼ 0.25% · 3.875%
HK$152,260
−HK$4,667/mo
Today · 4.125%
HK$156,927
baseline
▲ 0.50% · 4.625%
HK$166,475
+HK$9,548/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$313,854/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,278
−HK$8,875/mo
▼ 0.25% · 3.875%
HK$168,684
−HK$4,469/mo
Today · 4.125%
HK$173,153
baseline
▲ 0.50% · 4.625%
HK$182,280
+HK$9,127/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$346,306/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,028 · Scale 2, in force from 26 Feb 2026)