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$82,066
−HK$5,146/mo
▼ 0.25% · 3.875%
HK$84,618
−HK$2,594/mo
Today · 4.125%
HK$87,212
baseline
▲ 0.50% · 4.625%
HK$92,519
+HK$5,307/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$174,424/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,297
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$93,746
−HK$2,484/mo
Today · 4.125%
HK$96,230
baseline
▲ 0.50% · 4.625%
HK$101,302
+HK$5,072/mo
Deposit HK$17.99M · loan HK$17.99M · min. income ≈ HK$192,460/mo (50% DSR)
Upfront cash ≈ HK$19.52M (deposit + AVD stamp duty HK$1,529,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,479
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,542
−HK$3,112/mo
Today · 4.125%
HK$104,654
baseline
▲ 0.50% · 4.625%
HK$111,022
+HK$6,368/mo
Deposit HK$14.40M · loan HK$21.59M · min. income ≈ HK$209,308/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,557
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,495
−HK$2,981/mo
Today · 4.125%
HK$115,476
baseline
▲ 0.50% · 4.625%
HK$121,563
+HK$6,087/mo
Deposit HK$14.40M · loan HK$21.59M · min. income ≈ HK$230,952/mo (50% DSR)
Upfront cash ≈ HK$15.93M (deposit + AVD stamp duty HK$1,529,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,892
−HK$7,205/mo
▼ 0.25% · 3.875%
HK$118,466
−HK$3,631/mo
Today · 4.125%
HK$122,097
baseline
▲ 0.50% · 4.625%
HK$129,526
+HK$7,429/mo
Deposit HK$10.80M · loan HK$25.19M · min. income ≈ HK$244,194/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,816
−HK$6,906/mo
▼ 0.25% · 3.875%
HK$131,244
−HK$3,478/mo
Today · 4.125%
HK$134,722
baseline
▲ 0.50% · 4.625%
HK$141,823
+HK$7,101/mo
Deposit HK$10.80M · loan HK$25.19M · min. income ≈ HK$269,444/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,529,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,718
−HK$9,264/mo
▼ 0.25% · 3.875%
HK$152,313
−HK$4,669/mo
Today · 4.125%
HK$156,982
baseline
▲ 0.50% · 4.625%
HK$166,534
+HK$9,552/mo
Deposit HK$3.60M · loan HK$32.39M · min. income ≈ HK$313,964/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,335
−HK$8,879/mo
▼ 0.25% · 3.875%
HK$168,743
−HK$4,471/mo
Today · 4.125%
HK$173,214
baseline
▲ 0.50% · 4.625%
HK$182,344
+HK$9,130/mo
Deposit HK$3.60M · loan HK$32.39M · min. income ≈ HK$346,428/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$1,529,563 · Scale 2, in force from 26 Feb 2026)