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$81,992
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,543
−HK$2,591/mo
Today · 4.125%
HK$87,134
baseline
▲ 0.50% · 4.625%
HK$92,436
+HK$5,302/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$174,268/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,216
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,662
−HK$2,482/mo
Today · 4.125%
HK$96,144
baseline
▲ 0.50% · 4.625%
HK$101,212
+HK$5,068/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$192,288/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,391
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,451
−HK$3,110/mo
Today · 4.125%
HK$104,561
baseline
▲ 0.50% · 4.625%
HK$110,923
+HK$6,362/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$209,122/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,528,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,459
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,394
−HK$2,978/mo
Today · 4.125%
HK$115,372
baseline
▲ 0.50% · 4.625%
HK$121,454
+HK$6,082/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$230,744/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,528,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,789
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$118,360
−HK$3,627/mo
Today · 4.125%
HK$121,987
baseline
▲ 0.50% · 4.625%
HK$129,410
+HK$7,423/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$243,974/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,702
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$131,127
−HK$3,474/mo
Today · 4.125%
HK$134,601
baseline
▲ 0.50% · 4.625%
HK$141,696
+HK$7,095/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$269,202/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,586
−HK$9,255/mo
▼ 0.25% · 3.875%
HK$152,177
−HK$4,664/mo
Today · 4.125%
HK$156,841
baseline
▲ 0.50% · 4.625%
HK$166,384
+HK$9,543/mo
Deposit HK$3.60M · loan HK$32.36M · min. income ≈ HK$313,682/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,528,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,188
−HK$8,871/mo
▼ 0.25% · 3.875%
HK$168,591
−HK$4,468/mo
Today · 4.125%
HK$173,059
baseline
▲ 0.50% · 4.625%
HK$182,181
+HK$9,122/mo
Deposit HK$3.60M · loan HK$32.36M · min. income ≈ HK$346,118/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,528,193 · Scale 2, in force from 26 Feb 2026)