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$82,014
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,565
−HK$2,592/mo
Today · 4.125%
HK$87,157
baseline
▲ 0.50% · 4.625%
HK$92,461
+HK$5,304/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$174,314/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,240
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,687
−HK$2,483/mo
Today · 4.125%
HK$96,170
baseline
▲ 0.50% · 4.625%
HK$101,239
+HK$5,069/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$192,340/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,417
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$101,479
−HK$3,110/mo
Today · 4.125%
HK$104,589
baseline
▲ 0.50% · 4.625%
HK$110,953
+HK$6,364/mo
Deposit HK$14.39M · loan HK$21.58M · min. income ≈ HK$209,178/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,528,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,488
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,425
−HK$2,979/mo
Today · 4.125%
HK$115,404
baseline
▲ 0.50% · 4.625%
HK$121,487
+HK$6,083/mo
Deposit HK$14.39M · loan HK$21.58M · min. income ≈ HK$230,808/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,528,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,820
−HK$7,200/mo
▼ 0.25% · 3.875%
HK$118,392
−HK$3,628/mo
Today · 4.125%
HK$122,020
baseline
▲ 0.50% · 4.625%
HK$129,445
+HK$7,425/mo
Deposit HK$10.79M · loan HK$25.18M · min. income ≈ HK$244,040/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,736
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$131,162
−HK$3,475/mo
Today · 4.125%
HK$134,637
baseline
▲ 0.50% · 4.625%
HK$141,734
+HK$7,097/mo
Deposit HK$10.79M · loan HK$25.18M · min. income ≈ HK$269,274/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,626
−HK$9,257/mo
▼ 0.25% · 3.875%
HK$152,218
−HK$4,665/mo
Today · 4.125%
HK$156,883
baseline
▲ 0.50% · 4.625%
HK$166,429
+HK$9,546/mo
Deposit HK$3.60M · loan HK$32.37M · min. income ≈ HK$313,766/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,528,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,232
−HK$8,873/mo
▼ 0.25% · 3.875%
HK$168,637
−HK$4,468/mo
Today · 4.125%
HK$173,105
baseline
▲ 0.50% · 4.625%
HK$182,230
+HK$9,125/mo
Deposit HK$3.60M · loan HK$32.37M · min. income ≈ HK$346,210/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,528,605 · Scale 2, in force from 26 Feb 2026)