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$81,971
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,520
−HK$2,591/mo
Today · 4.125%
HK$87,111
baseline
▲ 0.50% · 4.625%
HK$92,411
+HK$5,300/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$174,222/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,192
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,637
−HK$2,481/mo
Today · 4.125%
HK$96,118
baseline
▲ 0.50% · 4.625%
HK$101,185
+HK$5,067/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$192,236/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,365
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,425
−HK$3,108/mo
Today · 4.125%
HK$104,533
baseline
▲ 0.50% · 4.625%
HK$110,894
+HK$6,361/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$209,066/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,527,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,430
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,365
−HK$2,977/mo
Today · 4.125%
HK$115,342
baseline
▲ 0.50% · 4.625%
HK$121,422
+HK$6,080/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$230,684/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,527,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,759
−HK$7,196/mo
▼ 0.25% · 3.875%
HK$118,329
−HK$3,626/mo
Today · 4.125%
HK$121,955
baseline
▲ 0.50% · 4.625%
HK$129,376
+HK$7,421/mo
Deposit HK$10.78M · loan HK$25.16M · min. income ≈ HK$243,910/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,668
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$131,092
−HK$3,474/mo
Today · 4.125%
HK$134,566
baseline
▲ 0.50% · 4.625%
HK$141,659
+HK$7,093/mo
Deposit HK$10.78M · loan HK$25.16M · min. income ≈ HK$269,132/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,547
−HK$9,253/mo
▼ 0.25% · 3.875%
HK$152,137
−HK$4,663/mo
Today · 4.125%
HK$156,800
baseline
▲ 0.50% · 4.625%
HK$166,341
+HK$9,541/mo
Deposit HK$3.59M · loan HK$32.35M · min. income ≈ HK$313,600/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,145
−HK$8,868/mo
▼ 0.25% · 3.875%
HK$168,547
−HK$4,466/mo
Today · 4.125%
HK$173,013
baseline
▲ 0.50% · 4.625%
HK$182,133
+HK$9,120/mo
Deposit HK$3.59M · loan HK$32.35M · min. income ≈ HK$346,026/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,791 · Scale 2, in force from 26 Feb 2026)