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$82,024
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,575
−HK$2,592/mo
Today · 4.125%
HK$87,167
baseline
▲ 0.50% · 4.625%
HK$92,471
+HK$5,304/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$174,334/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,251
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$93,698
−HK$2,483/mo
Today · 4.125%
HK$96,181
baseline
▲ 0.50% · 4.625%
HK$101,250
+HK$5,069/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$192,362/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,428
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,490
−HK$3,111/mo
Today · 4.125%
HK$104,601
baseline
▲ 0.50% · 4.625%
HK$110,966
+HK$6,365/mo
Deposit HK$14.39M · loan HK$21.58M · min. income ≈ HK$209,202/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,528,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,501
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,437
−HK$2,980/mo
Today · 4.125%
HK$115,417
baseline
▲ 0.50% · 4.625%
HK$121,500
+HK$6,083/mo
Deposit HK$14.39M · loan HK$21.58M · min. income ≈ HK$230,834/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,528,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,833
−HK$7,201/mo
▼ 0.25% · 3.875%
HK$118,405
−HK$3,629/mo
Today · 4.125%
HK$122,034
baseline
▲ 0.50% · 4.625%
HK$129,460
+HK$7,426/mo
Deposit HK$10.79M · loan HK$25.18M · min. income ≈ HK$244,068/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,751
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$131,177
−HK$3,476/mo
Today · 4.125%
HK$134,653
baseline
▲ 0.50% · 4.625%
HK$141,751
+HK$7,098/mo
Deposit HK$10.79M · loan HK$25.18M · min. income ≈ HK$269,306/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,643
−HK$9,258/mo
▼ 0.25% · 3.875%
HK$152,235
−HK$4,666/mo
Today · 4.125%
HK$156,901
baseline
▲ 0.50% · 4.625%
HK$166,448
+HK$9,547/mo
Deposit HK$3.60M · loan HK$32.37M · min. income ≈ HK$313,802/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,528,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,251
−HK$8,874/mo
▼ 0.25% · 3.875%
HK$168,656
−HK$4,469/mo
Today · 4.125%
HK$173,125
baseline
▲ 0.50% · 4.625%
HK$182,251
+HK$9,126/mo
Deposit HK$3.60M · loan HK$32.37M · min. income ≈ HK$346,250/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,528,780 · Scale 2, in force from 26 Feb 2026)