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$81,899
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,446
−HK$2,589/mo
Today · 4.125%
HK$87,035
baseline
▲ 0.50% · 4.625%
HK$92,331
+HK$5,296/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,070/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,112
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$93,555
−HK$2,479/mo
Today · 4.125%
HK$96,034
baseline
▲ 0.50% · 4.625%
HK$101,096
+HK$5,062/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,068/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,279
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,336
−HK$3,106/mo
Today · 4.125%
HK$104,442
baseline
▲ 0.50% · 4.625%
HK$110,797
+HK$6,355/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$208,884/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,334
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,266
−HK$2,975/mo
Today · 4.125%
HK$115,241
baseline
▲ 0.50% · 4.625%
HK$121,316
+HK$6,075/mo
Deposit HK$14.37M · loan HK$21.55M · min. income ≈ HK$230,482/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,658
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,225
−HK$3,624/mo
Today · 4.125%
HK$121,849
baseline
▲ 0.50% · 4.625%
HK$129,263
+HK$7,414/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$243,698/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,556
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,977
−HK$3,471/mo
Today · 4.125%
HK$134,448
baseline
▲ 0.50% · 4.625%
HK$141,535
+HK$7,087/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$268,896/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,418
−HK$9,244/mo
▼ 0.25% · 3.875%
HK$152,004
−HK$4,658/mo
Today · 4.125%
HK$156,662
baseline
▲ 0.50% · 4.625%
HK$166,195
+HK$9,533/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$313,324/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,001
−HK$8,861/mo
▼ 0.25% · 3.875%
HK$168,399
−HK$4,463/mo
Today · 4.125%
HK$172,862
baseline
▲ 0.50% · 4.625%
HK$181,973
+HK$9,111/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$345,724/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,453 · Scale 2, in force from 26 Feb 2026)