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$81,877
−HK$5,134/mo
▼ 0.25% · 3.875%
HK$84,424
−HK$2,587/mo
Today · 4.125%
HK$87,011
baseline
▲ 0.50% · 4.625%
HK$92,306
+HK$5,295/mo
Deposit HK$17.95M · loan HK$17.95M · min. income ≈ HK$174,022/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,087
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$93,530
−HK$2,478/mo
Today · 4.125%
HK$96,008
baseline
▲ 0.50% · 4.625%
HK$101,069
+HK$5,061/mo
Deposit HK$17.95M · loan HK$17.95M · min. income ≈ HK$192,016/mo (50% DSR)
Upfront cash ≈ HK$19.48M (deposit + AVD stamp duty HK$1,526,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,252
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,308
−HK$3,106/mo
Today · 4.125%
HK$104,414
baseline
▲ 0.50% · 4.625%
HK$110,767
+HK$6,353/mo
Deposit HK$14.36M · loan HK$21.54M · min. income ≈ HK$208,828/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,305
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,236
−HK$2,974/mo
Today · 4.125%
HK$115,210
baseline
▲ 0.50% · 4.625%
HK$121,283
+HK$6,073/mo
Deposit HK$14.36M · loan HK$21.54M · min. income ≈ HK$230,420/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,526,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,628
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$118,193
−HK$3,623/mo
Today · 4.125%
HK$121,816
baseline
▲ 0.50% · 4.625%
HK$129,228
+HK$7,412/mo
Deposit HK$10.77M · loan HK$25.13M · min. income ≈ HK$243,632/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,522
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$130,942
−HK$3,470/mo
Today · 4.125%
HK$134,412
baseline
▲ 0.50% · 4.625%
HK$141,497
+HK$7,085/mo
Deposit HK$10.77M · loan HK$25.13M · min. income ≈ HK$268,824/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,378
−HK$9,242/mo
▼ 0.25% · 3.875%
HK$151,963
−HK$4,657/mo
Today · 4.125%
HK$156,620
baseline
▲ 0.50% · 4.625%
HK$166,150
+HK$9,530/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$313,240/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,957
−HK$8,858/mo
▼ 0.25% · 3.875%
HK$168,354
−HK$4,461/mo
Today · 4.125%
HK$172,815
baseline
▲ 0.50% · 4.625%
HK$181,924
+HK$9,109/mo
Deposit HK$3.59M · loan HK$32.32M · min. income ≈ HK$345,630/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,043 · Scale 2, in force from 26 Feb 2026)