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$81,884
−HK$5,135/mo
▼ 0.25% · 3.875%
HK$84,432
−HK$2,587/mo
Today · 4.125%
HK$87,019
baseline
▲ 0.50% · 4.625%
HK$92,314
+HK$5,295/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,038/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,096
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,539
−HK$2,478/mo
Today · 4.125%
HK$96,017
baseline
▲ 0.50% · 4.625%
HK$101,078
+HK$5,061/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,034/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,261
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,318
−HK$3,105/mo
Today · 4.125%
HK$104,423
baseline
▲ 0.50% · 4.625%
HK$110,777
+HK$6,354/mo
Deposit HK$14.36M · loan HK$21.55M · min. income ≈ HK$208,846/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,315
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,247
−HK$2,974/mo
Today · 4.125%
HK$115,221
baseline
▲ 0.50% · 4.625%
HK$121,294
+HK$6,073/mo
Deposit HK$14.36M · loan HK$21.55M · min. income ≈ HK$230,442/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,638
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$118,204
−HK$3,623/mo
Today · 4.125%
HK$121,827
baseline
▲ 0.50% · 4.625%
HK$129,240
+HK$7,413/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$243,654/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,534
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$130,954
−HK$3,470/mo
Today · 4.125%
HK$134,424
baseline
▲ 0.50% · 4.625%
HK$141,510
+HK$7,086/mo
Deposit HK$10.77M · loan HK$25.14M · min. income ≈ HK$268,848/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,392
−HK$9,243/mo
▼ 0.25% · 3.875%
HK$151,977
−HK$4,658/mo
Today · 4.125%
HK$156,635
baseline
▲ 0.50% · 4.625%
HK$166,166
+HK$9,531/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$313,270/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,972
−HK$8,859/mo
▼ 0.25% · 3.875%
HK$168,370
−HK$4,461/mo
Today · 4.125%
HK$172,831
baseline
▲ 0.50% · 4.625%
HK$181,941
+HK$9,110/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$345,662/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,184 · Scale 2, in force from 26 Feb 2026)