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$81,973
−HK$5,140/mo
▼ 0.25% · 3.875%
HK$84,523
−HK$2,590/mo
Today · 4.125%
HK$87,113
baseline
▲ 0.50% · 4.625%
HK$92,414
+HK$5,301/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$174,226/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,194
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$93,640
−HK$2,481/mo
Today · 4.125%
HK$96,121
baseline
▲ 0.50% · 4.625%
HK$101,188
+HK$5,067/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$192,242/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,368
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,427
−HK$3,109/mo
Today · 4.125%
HK$104,536
baseline
▲ 0.50% · 4.625%
HK$110,897
+HK$6,361/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$209,072/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,527,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,433
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,368
−HK$2,977/mo
Today · 4.125%
HK$115,345
baseline
▲ 0.50% · 4.625%
HK$121,425
+HK$6,080/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$230,690/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,527,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,762
−HK$7,197/mo
▼ 0.25% · 3.875%
HK$118,332
−HK$3,627/mo
Today · 4.125%
HK$121,959
baseline
▲ 0.50% · 4.625%
HK$129,380
+HK$7,421/mo
Deposit HK$10.78M · loan HK$25.16M · min. income ≈ HK$243,918/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,672
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$131,096
−HK$3,473/mo
Today · 4.125%
HK$134,569
baseline
▲ 0.50% · 4.625%
HK$141,663
+HK$7,094/mo
Deposit HK$10.78M · loan HK$25.16M · min. income ≈ HK$269,138/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,551
−HK$9,253/mo
▼ 0.25% · 3.875%
HK$152,141
−HK$4,663/mo
Today · 4.125%
HK$156,804
baseline
▲ 0.50% · 4.625%
HK$166,345
+HK$9,541/mo
Deposit HK$3.59M · loan HK$32.35M · min. income ≈ HK$313,608/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,149
−HK$8,869/mo
▼ 0.25% · 3.875%
HK$168,552
−HK$4,466/mo
Today · 4.125%
HK$173,018
baseline
▲ 0.50% · 4.625%
HK$182,138
+HK$9,120/mo
Deposit HK$3.59M · loan HK$32.35M · min. income ≈ HK$346,036/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,834 · Scale 2, in force from 26 Feb 2026)