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$81,800
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,345
−HK$2,585/mo
Today · 4.125%
HK$86,930
baseline
▲ 0.50% · 4.625%
HK$92,219
+HK$5,289/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$173,860/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,002
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,442
−HK$2,476/mo
Today · 4.125%
HK$95,918
baseline
▲ 0.50% · 4.625%
HK$100,974
+HK$5,056/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$191,836/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,160
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,213
−HK$3,103/mo
Today · 4.125%
HK$104,316
baseline
▲ 0.50% · 4.625%
HK$110,663
+HK$6,347/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$208,632/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,202
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,131
−HK$2,971/mo
Today · 4.125%
HK$115,102
baseline
▲ 0.50% · 4.625%
HK$121,169
+HK$6,067/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$230,204/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,520
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,082
−HK$3,620/mo
Today · 4.125%
HK$121,702
baseline
▲ 0.50% · 4.625%
HK$129,107
+HK$7,405/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$243,404/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,524,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,403
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,819
−HK$3,467/mo
Today · 4.125%
HK$134,286
baseline
▲ 0.50% · 4.625%
HK$141,364
+HK$7,078/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$268,572/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,524,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,240
−HK$9,233/mo
▼ 0.25% · 3.875%
HK$151,820
−HK$4,653/mo
Today · 4.125%
HK$156,473
baseline
▲ 0.50% · 4.625%
HK$165,994
+HK$9,521/mo
Deposit HK$3.59M · loan HK$32.29M · min. income ≈ HK$312,946/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,803
−HK$8,850/mo
▼ 0.25% · 3.875%
HK$168,196
−HK$4,457/mo
Today · 4.125%
HK$172,653
baseline
▲ 0.50% · 4.625%
HK$181,754
+HK$9,101/mo
Deposit HK$3.59M · loan HK$32.29M · min. income ≈ HK$345,306/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,612 · Scale 2, in force from 26 Feb 2026)