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$81,784
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,328
−HK$2,584/mo
Today · 4.125%
HK$86,912
baseline
▲ 0.50% · 4.625%
HK$92,201
+HK$5,289/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,824/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,984
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$93,424
−HK$2,475/mo
Today · 4.125%
HK$95,899
baseline
▲ 0.50% · 4.625%
HK$100,954
+HK$5,055/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,798/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,140
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,193
−HK$3,102/mo
Today · 4.125%
HK$104,295
baseline
▲ 0.50% · 4.625%
HK$110,641
+HK$6,346/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$208,590/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,180
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,108
−HK$2,971/mo
Today · 4.125%
HK$115,079
baseline
▲ 0.50% · 4.625%
HK$121,145
+HK$6,066/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$230,158/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,497
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$118,059
−HK$3,618/mo
Today · 4.125%
HK$121,677
baseline
▲ 0.50% · 4.625%
HK$129,081
+HK$7,404/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$243,354/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,377
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$130,793
−HK$3,466/mo
Today · 4.125%
HK$134,259
baseline
▲ 0.50% · 4.625%
HK$141,336
+HK$7,077/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$268,518/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,211
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$151,790
−HK$4,652/mo
Today · 4.125%
HK$156,442
baseline
▲ 0.50% · 4.625%
HK$165,961
+HK$9,519/mo
Deposit HK$3.59M · loan HK$32.28M · min. income ≈ HK$312,884/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,770
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$168,163
−HK$4,455/mo
Today · 4.125%
HK$172,618
baseline
▲ 0.50% · 4.625%
HK$181,717
+HK$9,099/mo
Deposit HK$3.59M · loan HK$32.28M · min. income ≈ HK$345,236/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,306 · Scale 2, in force from 26 Feb 2026)