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$81,936
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,484
−HK$2,590/mo
Today · 4.125%
HK$87,074
baseline
▲ 0.50% · 4.625%
HK$92,372
+HK$5,298/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$174,148/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,153
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,597
−HK$2,480/mo
Today · 4.125%
HK$96,077
baseline
▲ 0.50% · 4.625%
HK$101,142
+HK$5,065/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$192,154/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,323
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,381
−HK$3,107/mo
Today · 4.125%
HK$104,488
baseline
▲ 0.50% · 4.625%
HK$110,846
+HK$6,358/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$208,976/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,383
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$112,317
−HK$2,976/mo
Today · 4.125%
HK$115,293
baseline
▲ 0.50% · 4.625%
HK$121,370
+HK$6,077/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$230,586/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,710
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$118,278
−HK$3,625/mo
Today · 4.125%
HK$121,903
baseline
▲ 0.50% · 4.625%
HK$129,321
+HK$7,418/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$243,806/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,614
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$131,036
−HK$3,472/mo
Today · 4.125%
HK$134,508
baseline
▲ 0.50% · 4.625%
HK$141,598
+HK$7,090/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$269,016/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,484
−HK$9,249/mo
▼ 0.25% · 3.875%
HK$152,072
−HK$4,661/mo
Today · 4.125%
HK$156,733
baseline
▲ 0.50% · 4.625%
HK$166,269
+HK$9,536/mo
Deposit HK$3.59M · loan HK$32.34M · min. income ≈ HK$313,466/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,075
−HK$8,864/mo
▼ 0.25% · 3.875%
HK$168,475
−HK$4,464/mo
Today · 4.125%
HK$172,939
baseline
▲ 0.50% · 4.625%
HK$182,055
+HK$9,116/mo
Deposit HK$3.59M · loan HK$32.34M · min. income ≈ HK$345,878/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,137 · Scale 2, in force from 26 Feb 2026)