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$81,819
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,364
−HK$2,586/mo
Today · 4.125%
HK$86,950
baseline
▲ 0.50% · 4.625%
HK$92,240
+HK$5,290/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$173,900/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,524,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,023
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,464
−HK$2,476/mo
Today · 4.125%
HK$95,940
baseline
▲ 0.50% · 4.625%
HK$100,998
+HK$5,058/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$191,880/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,524,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,183
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,237
−HK$3,103/mo
Today · 4.125%
HK$104,340
baseline
▲ 0.50% · 4.625%
HK$110,688
+HK$6,348/mo
Deposit HK$14.35M · loan HK$21.53M · min. income ≈ HK$208,680/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,524,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,227
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,157
−HK$2,972/mo
Today · 4.125%
HK$115,129
baseline
▲ 0.50% · 4.625%
HK$121,197
+HK$6,068/mo
Deposit HK$14.35M · loan HK$21.53M · min. income ≈ HK$230,258/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,524,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,547
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$118,110
−HK$3,620/mo
Today · 4.125%
HK$121,730
baseline
▲ 0.50% · 4.625%
HK$129,137
+HK$7,407/mo
Deposit HK$10.76M · loan HK$25.12M · min. income ≈ HK$243,460/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,524,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,432
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$130,850
−HK$3,467/mo
Today · 4.125%
HK$134,317
baseline
▲ 0.50% · 4.625%
HK$141,397
+HK$7,080/mo
Deposit HK$10.76M · loan HK$25.12M · min. income ≈ HK$268,634/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,524,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,274
−HK$9,235/mo
▼ 0.25% · 3.875%
HK$151,855
−HK$4,654/mo
Today · 4.125%
HK$156,509
baseline
▲ 0.50% · 4.625%
HK$166,033
+HK$9,524/mo
Deposit HK$3.59M · loan HK$32.29M · min. income ≈ HK$313,018/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,841
−HK$8,852/mo
▼ 0.25% · 3.875%
HK$168,235
−HK$4,458/mo
Today · 4.125%
HK$172,693
baseline
▲ 0.50% · 4.625%
HK$181,796
+HK$9,103/mo
Deposit HK$3.59M · loan HK$32.29M · min. income ≈ HK$345,386/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,963 · Scale 2, in force from 26 Feb 2026)