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$81,914
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,462
−HK$2,589/mo
Today · 4.125%
HK$87,051
baseline
▲ 0.50% · 4.625%
HK$92,348
+HK$5,297/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,102/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,129
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,573
−HK$2,479/mo
Today · 4.125%
HK$96,052
baseline
▲ 0.50% · 4.625%
HK$101,115
+HK$5,063/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,104/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,297
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,355
−HK$3,106/mo
Today · 4.125%
HK$104,461
baseline
▲ 0.50% · 4.625%
HK$110,818
+HK$6,357/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$208,922/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,355
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,288
−HK$2,975/mo
Today · 4.125%
HK$115,263
baseline
▲ 0.50% · 4.625%
HK$121,339
+HK$6,076/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$230,526/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,680
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$118,247
−HK$3,625/mo
Today · 4.125%
HK$121,872
baseline
▲ 0.50% · 4.625%
HK$129,287
+HK$7,415/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$243,744/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,581
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$131,002
−HK$3,471/mo
Today · 4.125%
HK$134,473
baseline
▲ 0.50% · 4.625%
HK$141,562
+HK$7,089/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$268,946/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,446
−HK$9,246/mo
▼ 0.25% · 3.875%
HK$152,032
−HK$4,660/mo
Today · 4.125%
HK$156,692
baseline
▲ 0.50% · 4.625%
HK$166,227
+HK$9,535/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$313,384/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,032
−HK$8,862/mo
▼ 0.25% · 3.875%
HK$168,431
−HK$4,463/mo
Today · 4.125%
HK$172,894
baseline
▲ 0.50% · 4.625%
HK$182,008
+HK$9,114/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$345,788/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,743 · Scale 2, in force from 26 Feb 2026)