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$82,004
−HK$5,142/mo
▼ 0.25% · 3.875%
HK$84,554
−HK$2,592/mo
Today · 4.125%
HK$87,146
baseline
▲ 0.50% · 4.625%
HK$92,448
+HK$5,302/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$174,292/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,228
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,675
−HK$2,482/mo
Today · 4.125%
HK$96,157
baseline
▲ 0.50% · 4.625%
HK$101,225
+HK$5,068/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$192,314/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,404
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,465
−HK$3,110/mo
Today · 4.125%
HK$104,575
baseline
▲ 0.50% · 4.625%
HK$110,938
+HK$6,363/mo
Deposit HK$14.38M · loan HK$21.58M · min. income ≈ HK$209,150/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,528,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,474
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,410
−HK$2,978/mo
Today · 4.125%
HK$115,388
baseline
▲ 0.50% · 4.625%
HK$121,471
+HK$6,083/mo
Deposit HK$14.38M · loan HK$21.58M · min. income ≈ HK$230,776/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,528,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,805
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$118,376
−HK$3,628/mo
Today · 4.125%
HK$122,004
baseline
▲ 0.50% · 4.625%
HK$129,428
+HK$7,424/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$244,008/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,719
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$131,145
−HK$3,475/mo
Today · 4.125%
HK$134,620
baseline
▲ 0.50% · 4.625%
HK$141,716
+HK$7,096/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$269,240/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,606
−HK$9,257/mo
▼ 0.25% · 3.875%
HK$152,198
−HK$4,665/mo
Today · 4.125%
HK$156,863
baseline
▲ 0.50% · 4.625%
HK$166,407
+HK$9,544/mo
Deposit HK$3.60M · loan HK$32.37M · min. income ≈ HK$313,726/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,528,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,211
−HK$8,871/mo
▼ 0.25% · 3.875%
HK$168,615
−HK$4,467/mo
Today · 4.125%
HK$173,082
baseline
▲ 0.50% · 4.625%
HK$182,206
+HK$9,124/mo
Deposit HK$3.60M · loan HK$32.37M · min. income ≈ HK$346,164/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,528,403 · Scale 2, in force from 26 Feb 2026)