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$81,757
−HK$5,127/mo
▼ 0.25% · 3.875%
HK$84,300
−HK$2,584/mo
Today · 4.125%
HK$86,884
baseline
▲ 0.50% · 4.625%
HK$92,170
+HK$5,286/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,768/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,954
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$93,393
−HK$2,475/mo
Today · 4.125%
HK$95,868
baseline
▲ 0.50% · 4.625%
HK$100,921
+HK$5,053/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,736/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,108
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,160
−HK$3,100/mo
Today · 4.125%
HK$104,260
baseline
▲ 0.50% · 4.625%
HK$110,604
+HK$6,344/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$208,520/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,523,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,144
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,071
−HK$2,970/mo
Today · 4.125%
HK$115,041
baseline
▲ 0.50% · 4.625%
HK$121,105
+HK$6,064/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$230,082/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,523,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,459
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,020
−HK$3,617/mo
Today · 4.125%
HK$121,637
baseline
▲ 0.50% · 4.625%
HK$129,038
+HK$7,401/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$243,274/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,335
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,750
−HK$3,465/mo
Today · 4.125%
HK$134,215
baseline
▲ 0.50% · 4.625%
HK$141,289
+HK$7,074/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$268,430/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,162
−HK$9,229/mo
▼ 0.25% · 3.875%
HK$151,740
−HK$4,651/mo
Today · 4.125%
HK$156,391
baseline
▲ 0.50% · 4.625%
HK$165,907
+HK$9,516/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$312,782/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,716
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$168,107
−HK$4,455/mo
Today · 4.125%
HK$172,562
baseline
▲ 0.50% · 4.625%
HK$181,657
+HK$9,095/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$345,124/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,804 · Scale 2, in force from 26 Feb 2026)