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$82,050
−HK$5,145/mo
▼ 0.25% · 3.875%
HK$84,602
−HK$2,593/mo
Today · 4.125%
HK$87,195
baseline
▲ 0.50% · 4.625%
HK$92,500
+HK$5,305/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$174,390/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,279
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,727
−HK$2,484/mo
Today · 4.125%
HK$96,211
baseline
▲ 0.50% · 4.625%
HK$101,282
+HK$5,071/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$192,422/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,459
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,522
−HK$3,112/mo
Today · 4.125%
HK$104,634
baseline
▲ 0.50% · 4.625%
HK$111,000
+HK$6,366/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$209,268/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,535
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,473
−HK$2,980/mo
Today · 4.125%
HK$115,453
baseline
▲ 0.50% · 4.625%
HK$121,539
+HK$6,086/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$230,906/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,869
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$118,442
−HK$3,631/mo
Today · 4.125%
HK$122,073
baseline
▲ 0.50% · 4.625%
HK$129,500
+HK$7,427/mo
Deposit HK$10.79M · loan HK$25.19M · min. income ≈ HK$244,146/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,791
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$131,218
−HK$3,477/mo
Today · 4.125%
HK$134,695
baseline
▲ 0.50% · 4.625%
HK$141,795
+HK$7,100/mo
Deposit HK$10.79M · loan HK$25.19M · min. income ≈ HK$269,390/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,689
−HK$9,262/mo
▼ 0.25% · 3.875%
HK$152,283
−HK$4,668/mo
Today · 4.125%
HK$156,951
baseline
▲ 0.50% · 4.625%
HK$166,501
+HK$9,550/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$313,902/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,303
−HK$8,876/mo
▼ 0.25% · 3.875%
HK$168,709
−HK$4,470/mo
Today · 4.125%
HK$173,179
baseline
▲ 0.50% · 4.625%
HK$182,308
+HK$9,129/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$346,358/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,260 · Scale 2, in force from 26 Feb 2026)