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$81,861
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,408
−HK$2,587/mo
Today · 4.125%
HK$86,995
baseline
▲ 0.50% · 4.625%
HK$92,288
+HK$5,293/mo
Deposit HK$17.95M · loan HK$17.95M · min. income ≈ HK$173,990/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,525,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,070
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,512
−HK$2,478/mo
Today · 4.125%
HK$95,990
baseline
▲ 0.50% · 4.625%
HK$101,050
+HK$5,060/mo
Deposit HK$17.95M · loan HK$17.95M · min. income ≈ HK$191,980/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,525,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,234
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,289
−HK$3,105/mo
Today · 4.125%
HK$104,394
baseline
▲ 0.50% · 4.625%
HK$110,746
+HK$6,352/mo
Deposit HK$14.36M · loan HK$21.54M · min. income ≈ HK$208,788/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,525,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,284
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,215
−HK$2,973/mo
Today · 4.125%
HK$115,188
baseline
▲ 0.50% · 4.625%
HK$121,260
+HK$6,072/mo
Deposit HK$14.36M · loan HK$21.54M · min. income ≈ HK$230,376/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,525,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,606
−HK$7,187/mo
▼ 0.25% · 3.875%
HK$118,171
−HK$3,622/mo
Today · 4.125%
HK$121,793
baseline
▲ 0.50% · 4.625%
HK$129,204
+HK$7,411/mo
Deposit HK$10.77M · loan HK$25.13M · min. income ≈ HK$243,586/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,525,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,498
−HK$6,888/mo
▼ 0.25% · 3.875%
HK$130,917
−HK$3,469/mo
Today · 4.125%
HK$134,386
baseline
▲ 0.50% · 4.625%
HK$141,470
+HK$7,084/mo
Deposit HK$10.77M · loan HK$25.13M · min. income ≈ HK$268,772/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,525,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,351
−HK$9,240/mo
▼ 0.25% · 3.875%
HK$151,934
−HK$4,657/mo
Today · 4.125%
HK$156,591
baseline
▲ 0.50% · 4.625%
HK$166,119
+HK$9,528/mo
Deposit HK$3.59M · loan HK$32.31M · min. income ≈ HK$313,182/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,525,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,926
−HK$8,856/mo
▼ 0.25% · 3.875%
HK$168,322
−HK$4,460/mo
Today · 4.125%
HK$172,782
baseline
▲ 0.50% · 4.625%
HK$181,890
+HK$9,108/mo
Deposit HK$3.59M · loan HK$32.31M · min. income ≈ HK$345,564/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,525,755 · Scale 2, in force from 26 Feb 2026)