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$81,833
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,378
−HK$2,587/mo
Today · 4.125%
HK$86,965
baseline
▲ 0.50% · 4.625%
HK$92,256
+HK$5,291/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$173,930/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,525,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,038
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,480
−HK$2,477/mo
Today · 4.125%
HK$95,957
baseline
▲ 0.50% · 4.625%
HK$101,015
+HK$5,058/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$191,914/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,525,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,200
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,254
−HK$3,104/mo
Today · 4.125%
HK$104,358
baseline
▲ 0.50% · 4.625%
HK$110,707
+HK$6,349/mo
Deposit HK$14.36M · loan HK$21.53M · min. income ≈ HK$208,716/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,525,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,246
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,176
−HK$2,972/mo
Today · 4.125%
HK$115,148
baseline
▲ 0.50% · 4.625%
HK$121,218
+HK$6,070/mo
Deposit HK$14.36M · loan HK$21.53M · min. income ≈ HK$230,296/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,525,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,566
−HK$7,184/mo
▼ 0.25% · 3.875%
HK$118,130
−HK$3,620/mo
Today · 4.125%
HK$121,750
baseline
▲ 0.50% · 4.625%
HK$129,159
+HK$7,409/mo
Deposit HK$10.77M · loan HK$25.12M · min. income ≈ HK$243,500/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,525,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,454
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$130,872
−HK$3,468/mo
Today · 4.125%
HK$134,340
baseline
▲ 0.50% · 4.625%
HK$141,421
+HK$7,081/mo
Deposit HK$10.77M · loan HK$25.12M · min. income ≈ HK$268,680/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,525,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,299
−HK$9,237/mo
▼ 0.25% · 3.875%
HK$151,881
−HK$4,655/mo
Today · 4.125%
HK$156,536
baseline
▲ 0.50% · 4.625%
HK$166,061
+HK$9,525/mo
Deposit HK$3.59M · loan HK$32.30M · min. income ≈ HK$313,072/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,525,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,869
−HK$8,853/mo
▼ 0.25% · 3.875%
HK$168,264
−HK$4,458/mo
Today · 4.125%
HK$172,722
baseline
▲ 0.50% · 4.625%
HK$181,827
+HK$9,105/mo
Deposit HK$3.59M · loan HK$32.30M · min. income ≈ HK$345,444/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,525,224 · Scale 2, in force from 26 Feb 2026)