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$82,046
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,598
−HK$2,593/mo
Today · 4.125%
HK$87,191
baseline
▲ 0.50% · 4.625%
HK$92,496
+HK$5,305/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$174,382/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,275
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,723
−HK$2,484/mo
Today · 4.125%
HK$96,207
baseline
▲ 0.50% · 4.625%
HK$101,278
+HK$5,071/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$192,414/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,455
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,518
−HK$3,111/mo
Today · 4.125%
HK$104,629
baseline
▲ 0.50% · 4.625%
HK$110,996
+HK$6,367/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$209,258/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,530
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,468
−HK$2,980/mo
Today · 4.125%
HK$115,448
baseline
▲ 0.50% · 4.625%
HK$121,533
+HK$6,085/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$230,896/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,864
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$118,437
−HK$3,630/mo
Today · 4.125%
HK$122,067
baseline
▲ 0.50% · 4.625%
HK$129,495
+HK$7,428/mo
Deposit HK$10.79M · loan HK$25.19M · min. income ≈ HK$244,134/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,785
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$131,212
−HK$3,477/mo
Today · 4.125%
HK$134,689
baseline
▲ 0.50% · 4.625%
HK$141,789
+HK$7,100/mo
Deposit HK$10.79M · loan HK$25.19M · min. income ≈ HK$269,378/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,683
−HK$9,261/mo
▼ 0.25% · 3.875%
HK$152,276
−HK$4,668/mo
Today · 4.125%
HK$156,944
baseline
▲ 0.50% · 4.625%
HK$166,493
+HK$9,549/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$313,888/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,295
−HK$8,877/mo
▼ 0.25% · 3.875%
HK$168,702
−HK$4,470/mo
Today · 4.125%
HK$173,172
baseline
▲ 0.50% · 4.625%
HK$182,300
+HK$9,128/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$346,344/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,193 · Scale 2, in force from 26 Feb 2026)