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$82,053
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,605
−HK$2,594/mo
Today · 4.125%
HK$87,199
baseline
▲ 0.50% · 4.625%
HK$92,504
+HK$5,305/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$174,398/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,283
−HK$4,932/mo
▼ 0.25% · 3.875%
HK$93,731
−HK$2,484/mo
Today · 4.125%
HK$96,215
baseline
▲ 0.50% · 4.625%
HK$101,287
+HK$5,072/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$192,430/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,464
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,526
−HK$3,112/mo
Today · 4.125%
HK$104,638
baseline
▲ 0.50% · 4.625%
HK$111,005
+HK$6,367/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$209,276/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,540
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,478
−HK$2,980/mo
Today · 4.125%
HK$115,458
baseline
▲ 0.50% · 4.625%
HK$121,544
+HK$6,086/mo
Deposit HK$14.39M · loan HK$21.59M · min. income ≈ HK$230,916/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,529,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,874
−HK$7,204/mo
▼ 0.25% · 3.875%
HK$118,448
−HK$3,630/mo
Today · 4.125%
HK$122,078
baseline
▲ 0.50% · 4.625%
HK$129,506
+HK$7,428/mo
Deposit HK$10.80M · loan HK$25.19M · min. income ≈ HK$244,156/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,796
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$131,224
−HK$3,477/mo
Today · 4.125%
HK$134,701
baseline
▲ 0.50% · 4.625%
HK$141,801
+HK$7,100/mo
Deposit HK$10.80M · loan HK$25.19M · min. income ≈ HK$269,402/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,529,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,695
−HK$9,262/mo
▼ 0.25% · 3.875%
HK$152,290
−HK$4,667/mo
Today · 4.125%
HK$156,957
baseline
▲ 0.50% · 4.625%
HK$166,508
+HK$9,551/mo
Deposit HK$3.60M · loan HK$32.39M · min. income ≈ HK$313,914/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,310
−HK$8,877/mo
▼ 0.25% · 3.875%
HK$168,716
−HK$4,471/mo
Today · 4.125%
HK$173,187
baseline
▲ 0.50% · 4.625%
HK$182,316
+HK$9,129/mo
Deposit HK$3.60M · loan HK$32.39M · min. income ≈ HK$346,374/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,326 · Scale 2, in force from 26 Feb 2026)