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$81,961
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,511
−HK$2,590/mo
Today · 4.125%
HK$87,101
baseline
▲ 0.50% · 4.625%
HK$92,401
+HK$5,300/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$174,202/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,181
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$93,626
−HK$2,481/mo
Today · 4.125%
HK$96,107
baseline
▲ 0.50% · 4.625%
HK$101,173
+HK$5,066/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$192,214/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,353
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,413
−HK$3,108/mo
Today · 4.125%
HK$104,521
baseline
▲ 0.50% · 4.625%
HK$110,881
+HK$6,360/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$209,042/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,527,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,417
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,352
−HK$2,977/mo
Today · 4.125%
HK$115,329
baseline
▲ 0.50% · 4.625%
HK$121,408
+HK$6,079/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$230,658/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,527,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,746
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$118,315
−HK$3,626/mo
Today · 4.125%
HK$121,941
baseline
▲ 0.50% · 4.625%
HK$129,361
+HK$7,420/mo
Deposit HK$10.78M · loan HK$25.16M · min. income ≈ HK$243,882/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,653
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$131,077
−HK$3,473/mo
Today · 4.125%
HK$134,550
baseline
▲ 0.50% · 4.625%
HK$141,642
+HK$7,092/mo
Deposit HK$10.78M · loan HK$25.16M · min. income ≈ HK$269,100/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,530
−HK$9,251/mo
▼ 0.25% · 3.875%
HK$152,119
−HK$4,662/mo
Today · 4.125%
HK$156,781
baseline
▲ 0.50% · 4.625%
HK$166,321
+HK$9,540/mo
Deposit HK$3.59M · loan HK$32.35M · min. income ≈ HK$313,562/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,126
−HK$8,867/mo
▼ 0.25% · 3.875%
HK$168,527
−HK$4,466/mo
Today · 4.125%
HK$172,993
baseline
▲ 0.50% · 4.625%
HK$182,112
+HK$9,119/mo
Deposit HK$3.59M · loan HK$32.35M · min. income ≈ HK$345,986/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,613 · Scale 2, in force from 26 Feb 2026)