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$81,678
−HK$5,122/mo
▼ 0.25% · 3.875%
HK$84,219
−HK$2,581/mo
Today · 4.125%
HK$86,800
baseline
▲ 0.50% · 4.625%
HK$92,082
+HK$5,282/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$173,600/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,866
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$93,303
−HK$2,473/mo
Today · 4.125%
HK$95,776
baseline
▲ 0.50% · 4.625%
HK$100,824
+HK$5,048/mo
Deposit HK$17.91M · loan HK$17.91M · min. income ≈ HK$191,552/mo (50% DSR)
Upfront cash ≈ HK$19.43M (deposit + AVD stamp duty HK$1,522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,014
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,063
−HK$3,097/mo
Today · 4.125%
HK$104,160
baseline
▲ 0.50% · 4.625%
HK$110,498
+HK$6,338/mo
Deposit HK$14.33M · loan HK$21.49M · min. income ≈ HK$208,320/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,040
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,964
−HK$2,967/mo
Today · 4.125%
HK$114,931
baseline
▲ 0.50% · 4.625%
HK$120,989
+HK$6,058/mo
Deposit HK$14.33M · loan HK$21.49M · min. income ≈ HK$229,862/mo (50% DSR)
Upfront cash ≈ HK$15.85M (deposit + AVD stamp duty HK$1,522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,350
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$117,907
−HK$3,614/mo
Today · 4.125%
HK$121,521
baseline
▲ 0.50% · 4.625%
HK$128,915
+HK$7,394/mo
Deposit HK$10.75M · loan HK$25.07M · min. income ≈ HK$243,042/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,213
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$130,625
−HK$3,461/mo
Today · 4.125%
HK$134,086
baseline
▲ 0.50% · 4.625%
HK$141,154
+HK$7,068/mo
Deposit HK$10.75M · loan HK$25.07M · min. income ≈ HK$268,172/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,021
−HK$9,220/mo
▼ 0.25% · 3.875%
HK$151,594
−HK$4,647/mo
Today · 4.125%
HK$156,241
baseline
▲ 0.50% · 4.625%
HK$165,748
+HK$9,507/mo
Deposit HK$3.58M · loan HK$32.24M · min. income ≈ HK$312,482/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,522,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,560
−HK$8,836/mo
▼ 0.25% · 3.875%
HK$167,946
−HK$4,450/mo
Today · 4.125%
HK$172,396
baseline
▲ 0.50% · 4.625%
HK$181,483
+HK$9,087/mo
Deposit HK$3.58M · loan HK$32.24M · min. income ≈ HK$344,792/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$1,522,344 · Scale 2, in force from 26 Feb 2026)