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$82,045
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,597
−HK$2,593/mo
Today · 4.125%
HK$87,190
baseline
▲ 0.50% · 4.625%
HK$92,495
+HK$5,305/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$174,380/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,274
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,722
−HK$2,483/mo
Today · 4.125%
HK$96,205
baseline
▲ 0.50% · 4.625%
HK$101,276
+HK$5,071/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$192,410/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,454
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,516
−HK$3,111/mo
Today · 4.125%
HK$104,627
baseline
▲ 0.50% · 4.625%
HK$110,994
+HK$6,367/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$209,254/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,529
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,466
−HK$2,980/mo
Today · 4.125%
HK$115,446
baseline
▲ 0.50% · 4.625%
HK$121,531
+HK$6,085/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$230,892/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,862
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$118,435
−HK$3,630/mo
Today · 4.125%
HK$122,065
baseline
▲ 0.50% · 4.625%
HK$129,493
+HK$7,428/mo
Deposit HK$10.79M · loan HK$25.19M · min. income ≈ HK$244,130/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,783
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$131,210
−HK$3,477/mo
Today · 4.125%
HK$134,687
baseline
▲ 0.50% · 4.625%
HK$141,787
+HK$7,100/mo
Deposit HK$10.79M · loan HK$25.19M · min. income ≈ HK$269,374/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,680
−HK$9,261/mo
▼ 0.25% · 3.875%
HK$152,274
−HK$4,667/mo
Today · 4.125%
HK$156,941
baseline
▲ 0.50% · 4.625%
HK$166,491
+HK$9,550/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$313,882/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,293
−HK$8,876/mo
▼ 0.25% · 3.875%
HK$168,699
−HK$4,470/mo
Today · 4.125%
HK$173,169
baseline
▲ 0.50% · 4.625%
HK$182,297
+HK$9,128/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$346,338/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,169 · Scale 2, in force from 26 Feb 2026)