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$81,952
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,502
−HK$2,590/mo
Today · 4.125%
HK$87,092
baseline
▲ 0.50% · 4.625%
HK$92,391
+HK$5,299/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$174,184/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,171
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,616
−HK$2,481/mo
Today · 4.125%
HK$96,097
baseline
▲ 0.50% · 4.625%
HK$101,162
+HK$5,065/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$192,194/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,343
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$101,402
−HK$3,108/mo
Today · 4.125%
HK$104,510
baseline
▲ 0.50% · 4.625%
HK$110,869
+HK$6,359/mo
Deposit HK$14.38M · loan HK$21.56M · min. income ≈ HK$209,020/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,527,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,406
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$112,340
−HK$2,976/mo
Today · 4.125%
HK$115,316
baseline
▲ 0.50% · 4.625%
HK$121,395
+HK$6,079/mo
Deposit HK$14.38M · loan HK$21.56M · min. income ≈ HK$230,632/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,527,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,733
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$118,302
−HK$3,626/mo
Today · 4.125%
HK$121,928
baseline
▲ 0.50% · 4.625%
HK$129,347
+HK$7,419/mo
Deposit HK$10.78M · loan HK$25.16M · min. income ≈ HK$243,856/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,640
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$131,063
−HK$3,473/mo
Today · 4.125%
HK$134,536
baseline
▲ 0.50% · 4.625%
HK$141,627
+HK$7,091/mo
Deposit HK$10.78M · loan HK$25.16M · min. income ≈ HK$269,072/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,514
−HK$9,251/mo
▼ 0.25% · 3.875%
HK$152,103
−HK$4,662/mo
Today · 4.125%
HK$156,765
baseline
▲ 0.50% · 4.625%
HK$166,304
+HK$9,539/mo
Deposit HK$3.59M · loan HK$32.35M · min. income ≈ HK$313,530/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,108
−HK$8,867/mo
▼ 0.25% · 3.875%
HK$168,510
−HK$4,465/mo
Today · 4.125%
HK$172,975
baseline
▲ 0.50% · 4.625%
HK$182,092
+HK$9,117/mo
Deposit HK$3.59M · loan HK$32.35M · min. income ≈ HK$345,950/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,451 · Scale 2, in force from 26 Feb 2026)