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$81,880
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,427
−HK$2,588/mo
Today · 4.125%
HK$87,015
baseline
▲ 0.50% · 4.625%
HK$92,309
+HK$5,294/mo
Deposit HK$17.95M · loan HK$17.95M · min. income ≈ HK$174,030/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,091
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,534
−HK$2,478/mo
Today · 4.125%
HK$96,012
baseline
▲ 0.50% · 4.625%
HK$101,073
+HK$5,061/mo
Deposit HK$17.95M · loan HK$17.95M · min. income ≈ HK$192,024/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,256
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,313
−HK$3,105/mo
Today · 4.125%
HK$104,418
baseline
▲ 0.50% · 4.625%
HK$110,771
+HK$6,353/mo
Deposit HK$14.36M · loan HK$21.54M · min. income ≈ HK$208,836/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,309
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,241
−HK$2,974/mo
Today · 4.125%
HK$115,215
baseline
▲ 0.50% · 4.625%
HK$121,288
+HK$6,073/mo
Deposit HK$14.36M · loan HK$21.54M · min. income ≈ HK$230,430/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,632
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$118,198
−HK$3,623/mo
Today · 4.125%
HK$121,821
baseline
▲ 0.50% · 4.625%
HK$129,233
+HK$7,412/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$243,642/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,527
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$130,947
−HK$3,470/mo
Today · 4.125%
HK$134,417
baseline
▲ 0.50% · 4.625%
HK$141,502
+HK$7,085/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$268,834/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,384
−HK$9,243/mo
▼ 0.25% · 3.875%
HK$151,969
−HK$4,658/mo
Today · 4.125%
HK$156,627
baseline
▲ 0.50% · 4.625%
HK$166,157
+HK$9,530/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$313,254/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,964
−HK$8,858/mo
▼ 0.25% · 3.875%
HK$168,361
−HK$4,461/mo
Today · 4.125%
HK$172,822
baseline
▲ 0.50% · 4.625%
HK$181,932
+HK$9,110/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$345,644/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,104 · Scale 2, in force from 26 Feb 2026)