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$81,998
−HK$5,143/mo
▼ 0.25% · 3.875%
HK$84,549
−HK$2,592/mo
Today · 4.125%
HK$87,141
baseline
▲ 0.50% · 4.625%
HK$92,443
+HK$5,302/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$174,282/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,222
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$93,669
−HK$2,482/mo
Today · 4.125%
HK$96,151
baseline
▲ 0.50% · 4.625%
HK$101,219
+HK$5,068/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$192,302/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$1,528,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,398
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$101,459
−HK$3,110/mo
Today · 4.125%
HK$104,569
baseline
▲ 0.50% · 4.625%
HK$110,931
+HK$6,362/mo
Deposit HK$14.38M · loan HK$21.58M · min. income ≈ HK$209,138/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,528,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,467
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,403
−HK$2,978/mo
Today · 4.125%
HK$115,381
baseline
▲ 0.50% · 4.625%
HK$121,463
+HK$6,082/mo
Deposit HK$14.38M · loan HK$21.58M · min. income ≈ HK$230,762/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,528,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,798
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$118,369
−HK$3,628/mo
Today · 4.125%
HK$121,997
baseline
▲ 0.50% · 4.625%
HK$129,420
+HK$7,423/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$243,994/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,711
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$131,137
−HK$3,474/mo
Today · 4.125%
HK$134,611
baseline
▲ 0.50% · 4.625%
HK$141,707
+HK$7,096/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$269,222/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,528,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,597
−HK$9,256/mo
▼ 0.25% · 3.875%
HK$152,188
−HK$4,665/mo
Today · 4.125%
HK$156,853
baseline
▲ 0.50% · 4.625%
HK$166,397
+HK$9,544/mo
Deposit HK$3.60M · loan HK$32.36M · min. income ≈ HK$313,706/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,528,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,200
−HK$8,872/mo
▼ 0.25% · 3.875%
HK$168,604
−HK$4,468/mo
Today · 4.125%
HK$173,072
baseline
▲ 0.50% · 4.625%
HK$182,195
+HK$9,123/mo
Deposit HK$3.60M · loan HK$32.36M · min. income ≈ HK$346,144/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,528,309 · Scale 2, in force from 26 Feb 2026)