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$81,966
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,516
−HK$2,590/mo
Today · 4.125%
HK$87,106
baseline
▲ 0.50% · 4.625%
HK$92,406
+HK$5,300/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$174,212/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,187
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,632
−HK$2,481/mo
Today · 4.125%
HK$96,113
baseline
▲ 0.50% · 4.625%
HK$101,179
+HK$5,066/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$192,226/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,359
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,419
−HK$3,108/mo
Today · 4.125%
HK$104,527
baseline
▲ 0.50% · 4.625%
HK$110,888
+HK$6,361/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$209,054/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,527,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,424
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,359
−HK$2,977/mo
Today · 4.125%
HK$115,336
baseline
▲ 0.50% · 4.625%
HK$121,415
+HK$6,079/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$230,672/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,527,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,753
−HK$7,196/mo
▼ 0.25% · 3.875%
HK$118,322
−HK$3,627/mo
Today · 4.125%
HK$121,949
baseline
▲ 0.50% · 4.625%
HK$129,369
+HK$7,420/mo
Deposit HK$10.78M · loan HK$25.16M · min. income ≈ HK$243,898/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,661
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$131,085
−HK$3,473/mo
Today · 4.125%
HK$134,558
baseline
▲ 0.50% · 4.625%
HK$141,651
+HK$7,093/mo
Deposit HK$10.78M · loan HK$25.16M · min. income ≈ HK$269,116/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,539
−HK$9,252/mo
▼ 0.25% · 3.875%
HK$152,128
−HK$4,663/mo
Today · 4.125%
HK$156,791
baseline
▲ 0.50% · 4.625%
HK$166,331
+HK$9,540/mo
Deposit HK$3.59M · loan HK$32.35M · min. income ≈ HK$313,582/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,136
−HK$8,868/mo
▼ 0.25% · 3.875%
HK$168,538
−HK$4,466/mo
Today · 4.125%
HK$173,004
baseline
▲ 0.50% · 4.625%
HK$182,123
+HK$9,119/mo
Deposit HK$3.59M · loan HK$32.35M · min. income ≈ HK$346,008/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,707 · Scale 2, in force from 26 Feb 2026)