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$81,923
−HK$5,137/mo
▼ 0.25% · 3.875%
HK$84,471
−HK$2,589/mo
Today · 4.125%
HK$87,060
baseline
▲ 0.50% · 4.625%
HK$92,357
+HK$5,297/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,120/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,138
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$93,582
−HK$2,480/mo
Today · 4.125%
HK$96,062
baseline
▲ 0.50% · 4.625%
HK$101,126
+HK$5,064/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,124/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,307
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,365
−HK$3,107/mo
Today · 4.125%
HK$104,472
baseline
▲ 0.50% · 4.625%
HK$110,829
+HK$6,357/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$208,944/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,366
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,299
−HK$2,975/mo
Today · 4.125%
HK$115,274
baseline
▲ 0.50% · 4.625%
HK$121,351
+HK$6,077/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$230,548/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,692
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$118,259
−HK$3,625/mo
Today · 4.125%
HK$121,884
baseline
▲ 0.50% · 4.625%
HK$129,300
+HK$7,416/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$243,768/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,593
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$131,015
−HK$3,472/mo
Today · 4.125%
HK$134,487
baseline
▲ 0.50% · 4.625%
HK$141,576
+HK$7,089/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$268,974/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,526,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,461
−HK$9,247/mo
▼ 0.25% · 3.875%
HK$152,048
−HK$4,660/mo
Today · 4.125%
HK$156,708
baseline
▲ 0.50% · 4.625%
HK$166,243
+HK$9,535/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$313,416/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,895 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,049
−HK$8,863/mo
▼ 0.25% · 3.875%
HK$168,448
−HK$4,464/mo
Today · 4.125%
HK$172,912
baseline
▲ 0.50% · 4.625%
HK$182,026
+HK$9,114/mo
Deposit HK$3.59M · loan HK$32.33M · min. income ≈ HK$345,824/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,895 · Scale 2, in force from 26 Feb 2026)