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$82,032
−HK$5,144/mo
▼ 0.25% · 3.875%
HK$84,584
−HK$2,592/mo
Today · 4.125%
HK$87,176
baseline
▲ 0.50% · 4.625%
HK$92,481
+HK$5,305/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$174,352/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,528,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,260
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$93,708
−HK$2,483/mo
Today · 4.125%
HK$96,191
baseline
▲ 0.50% · 4.625%
HK$101,261
+HK$5,070/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$192,382/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,528,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,439
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,501
−HK$3,111/mo
Today · 4.125%
HK$104,612
baseline
▲ 0.50% · 4.625%
HK$110,977
+HK$6,365/mo
Deposit HK$14.39M · loan HK$21.58M · min. income ≈ HK$209,224/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,528,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,512
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,449
−HK$2,980/mo
Today · 4.125%
HK$115,429
baseline
▲ 0.50% · 4.625%
HK$121,513
+HK$6,084/mo
Deposit HK$14.39M · loan HK$21.58M · min. income ≈ HK$230,858/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,528,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,845
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$118,417
−HK$3,630/mo
Today · 4.125%
HK$122,047
baseline
▲ 0.50% · 4.625%
HK$129,473
+HK$7,426/mo
Deposit HK$10.79M · loan HK$25.18M · min. income ≈ HK$244,094/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,764
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$131,191
−HK$3,476/mo
Today · 4.125%
HK$134,667
baseline
▲ 0.50% · 4.625%
HK$141,765
+HK$7,098/mo
Deposit HK$10.79M · loan HK$25.18M · min. income ≈ HK$269,334/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,658
−HK$9,259/mo
▼ 0.25% · 3.875%
HK$152,251
−HK$4,666/mo
Today · 4.125%
HK$156,917
baseline
▲ 0.50% · 4.625%
HK$166,466
+HK$9,549/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$313,834/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,528,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,268
−HK$8,875/mo
▼ 0.25% · 3.875%
HK$168,674
−HK$4,469/mo
Today · 4.125%
HK$173,143
baseline
▲ 0.50% · 4.625%
HK$182,270
+HK$9,127/mo
Deposit HK$3.60M · loan HK$32.38M · min. income ≈ HK$346,286/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,528,938 · Scale 2, in force from 26 Feb 2026)