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$81,759
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,303
−HK$2,583/mo
Today · 4.125%
HK$86,886
baseline
▲ 0.50% · 4.625%
HK$92,173
+HK$5,287/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,772/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,957
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,396
−HK$2,475/mo
Today · 4.125%
HK$95,871
baseline
▲ 0.50% · 4.625%
HK$100,924
+HK$5,053/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,742/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,111
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,163
−HK$3,101/mo
Today · 4.125%
HK$104,264
baseline
▲ 0.50% · 4.625%
HK$110,608
+HK$6,344/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$208,528/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,523,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,148
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,075
−HK$2,970/mo
Today · 4.125%
HK$115,045
baseline
▲ 0.50% · 4.625%
HK$121,109
+HK$6,064/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$230,090/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,523,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,463
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,024
−HK$3,617/mo
Today · 4.125%
HK$121,641
baseline
▲ 0.50% · 4.625%
HK$129,043
+HK$7,402/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$243,282/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,339
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,754
−HK$3,465/mo
Today · 4.125%
HK$134,219
baseline
▲ 0.50% · 4.625%
HK$141,294
+HK$7,075/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$268,438/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,167
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$151,745
−HK$4,651/mo
Today · 4.125%
HK$156,396
baseline
▲ 0.50% · 4.625%
HK$165,912
+HK$9,516/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$312,792/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,722
−HK$8,845/mo
▼ 0.25% · 3.875%
HK$168,113
−HK$4,454/mo
Today · 4.125%
HK$172,567
baseline
▲ 0.50% · 4.625%
HK$181,663
+HK$9,096/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$345,134/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,854 · Scale 2, in force from 26 Feb 2026)