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$81,906
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,454
−HK$2,589/mo
Today · 4.125%
HK$87,043
baseline
▲ 0.50% · 4.625%
HK$92,339
+HK$5,296/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,086/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,120
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,564
−HK$2,479/mo
Today · 4.125%
HK$96,043
baseline
▲ 0.50% · 4.625%
HK$101,106
+HK$5,063/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,086/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,288
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,345
−HK$3,106/mo
Today · 4.125%
HK$104,451
baseline
▲ 0.50% · 4.625%
HK$110,807
+HK$6,356/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$208,902/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,344
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,277
−HK$2,975/mo
Today · 4.125%
HK$115,252
baseline
▲ 0.50% · 4.625%
HK$121,327
+HK$6,075/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$230,504/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,669
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,236
−HK$3,624/mo
Today · 4.125%
HK$121,860
baseline
▲ 0.50% · 4.625%
HK$129,275
+HK$7,415/mo
Deposit HK$10.78M · loan HK$25.14M · min. income ≈ HK$243,720/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,568
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,989
−HK$3,471/mo
Today · 4.125%
HK$134,460
baseline
▲ 0.50% · 4.625%
HK$141,548
+HK$7,088/mo
Deposit HK$10.78M · loan HK$25.14M · min. income ≈ HK$268,920/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,432
−HK$9,245/mo
▼ 0.25% · 3.875%
HK$152,017
−HK$4,660/mo
Today · 4.125%
HK$156,677
baseline
▲ 0.50% · 4.625%
HK$166,210
+HK$9,533/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$313,354/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,016
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$168,415
−HK$4,462/mo
Today · 4.125%
HK$172,877
baseline
▲ 0.50% · 4.625%
HK$181,990
+HK$9,113/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$345,754/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,593 · Scale 2, in force from 26 Feb 2026)