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$81,869
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,416
−HK$2,587/mo
Today · 4.125%
HK$87,003
baseline
▲ 0.50% · 4.625%
HK$92,297
+HK$5,294/mo
Deposit HK$17.95M · loan HK$17.95M · min. income ≈ HK$174,006/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,525,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,079
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$93,521
−HK$2,478/mo
Today · 4.125%
HK$95,999
baseline
▲ 0.50% · 4.625%
HK$101,060
+HK$5,061/mo
Deposit HK$17.95M · loan HK$17.95M · min. income ≈ HK$191,998/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,525,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,243
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,299
−HK$3,105/mo
Today · 4.125%
HK$104,404
baseline
▲ 0.50% · 4.625%
HK$110,757
+HK$6,353/mo
Deposit HK$14.36M · loan HK$21.54M · min. income ≈ HK$208,808/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,525,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,294
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,226
−HK$2,973/mo
Today · 4.125%
HK$115,199
baseline
▲ 0.50% · 4.625%
HK$121,272
+HK$6,073/mo
Deposit HK$14.36M · loan HK$21.54M · min. income ≈ HK$230,398/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,525,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,617
−HK$7,187/mo
▼ 0.25% · 3.875%
HK$118,182
−HK$3,622/mo
Today · 4.125%
HK$121,804
baseline
▲ 0.50% · 4.625%
HK$129,216
+HK$7,412/mo
Deposit HK$10.77M · loan HK$25.13M · min. income ≈ HK$243,608/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,525,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,510
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$130,930
−HK$3,469/mo
Today · 4.125%
HK$134,399
baseline
▲ 0.50% · 4.625%
HK$141,484
+HK$7,085/mo
Deposit HK$10.77M · loan HK$25.13M · min. income ≈ HK$268,798/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,525,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,365
−HK$9,241/mo
▼ 0.25% · 3.875%
HK$151,949
−HK$4,657/mo
Today · 4.125%
HK$156,606
baseline
▲ 0.50% · 4.625%
HK$166,135
+HK$9,529/mo
Deposit HK$3.59M · loan HK$32.31M · min. income ≈ HK$313,212/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,525,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,942
−HK$8,857/mo
▼ 0.25% · 3.875%
HK$168,339
−HK$4,460/mo
Today · 4.125%
HK$172,799
baseline
▲ 0.50% · 4.625%
HK$181,907
+HK$9,108/mo
Deposit HK$3.59M · loan HK$32.31M · min. income ≈ HK$345,598/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,525,901 · Scale 2, in force from 26 Feb 2026)