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$81,840
−HK$5,132/mo
▼ 0.25% · 3.875%
HK$84,386
−HK$2,586/mo
Today · 4.125%
HK$86,972
baseline
▲ 0.50% · 4.625%
HK$92,264
+HK$5,292/mo
Deposit HK$17.95M · loan HK$17.95M · min. income ≈ HK$173,944/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,525,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,046
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$93,488
−HK$2,477/mo
Today · 4.125%
HK$95,965
baseline
▲ 0.50% · 4.625%
HK$101,024
+HK$5,059/mo
Deposit HK$17.95M · loan HK$17.95M · min. income ≈ HK$191,930/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,525,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,208
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,263
−HK$3,104/mo
Today · 4.125%
HK$104,367
baseline
▲ 0.50% · 4.625%
HK$110,717
+HK$6,350/mo
Deposit HK$14.36M · loan HK$21.53M · min. income ≈ HK$208,734/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,525,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,256
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,186
−HK$2,972/mo
Today · 4.125%
HK$115,158
baseline
▲ 0.50% · 4.625%
HK$121,228
+HK$6,070/mo
Deposit HK$14.36M · loan HK$21.53M · min. income ≈ HK$230,316/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,525,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,576
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$118,140
−HK$3,621/mo
Today · 4.125%
HK$121,761
baseline
▲ 0.50% · 4.625%
HK$129,170
+HK$7,409/mo
Deposit HK$10.77M · loan HK$25.12M · min. income ≈ HK$243,522/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,525,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,465
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$130,883
−HK$3,468/mo
Today · 4.125%
HK$134,351
baseline
▲ 0.50% · 4.625%
HK$141,433
+HK$7,082/mo
Deposit HK$10.77M · loan HK$25.12M · min. income ≈ HK$268,702/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,525,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,312
−HK$9,238/mo
▼ 0.25% · 3.875%
HK$151,894
−HK$4,656/mo
Today · 4.125%
HK$156,550
baseline
▲ 0.50% · 4.625%
HK$166,076
+HK$9,526/mo
Deposit HK$3.59M · loan HK$32.30M · min. income ≈ HK$313,100/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,525,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,883
−HK$8,854/mo
▼ 0.25% · 3.875%
HK$168,279
−HK$4,458/mo
Today · 4.125%
HK$172,737
baseline
▲ 0.50% · 4.625%
HK$181,843
+HK$9,106/mo
Deposit HK$3.59M · loan HK$32.30M · min. income ≈ HK$345,474/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,525,357 · Scale 2, in force from 26 Feb 2026)