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$81,783
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,326
−HK$2,585/mo
Today · 4.125%
HK$86,911
baseline
▲ 0.50% · 4.625%
HK$92,199
+HK$5,288/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,822/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,982
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,422
−HK$2,476/mo
Today · 4.125%
HK$95,898
baseline
▲ 0.50% · 4.625%
HK$100,953
+HK$5,055/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,796/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,139
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,192
−HK$3,101/mo
Today · 4.125%
HK$104,293
baseline
▲ 0.50% · 4.625%
HK$110,639
+HK$6,346/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$208,586/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,179
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,107
−HK$2,970/mo
Today · 4.125%
HK$115,077
baseline
▲ 0.50% · 4.625%
HK$121,143
+HK$6,066/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$230,154/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,496
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$118,057
−HK$3,618/mo
Today · 4.125%
HK$121,675
baseline
▲ 0.50% · 4.625%
HK$129,079
+HK$7,404/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$243,350/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,524,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,375
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$130,791
−HK$3,466/mo
Today · 4.125%
HK$134,257
baseline
▲ 0.50% · 4.625%
HK$141,334
+HK$7,077/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$268,514/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,524,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,209
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$151,788
−HK$4,652/mo
Today · 4.125%
HK$156,440
baseline
▲ 0.50% · 4.625%
HK$165,959
+HK$9,519/mo
Deposit HK$3.59M · loan HK$32.28M · min. income ≈ HK$312,880/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,768
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$168,160
−HK$4,456/mo
Today · 4.125%
HK$172,616
baseline
▲ 0.50% · 4.625%
HK$181,715
+HK$9,099/mo
Deposit HK$3.59M · loan HK$32.28M · min. income ≈ HK$345,232/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,285 · Scale 2, in force from 26 Feb 2026)