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$81,790
−HK$5,129/mo
▼ 0.25% · 3.875%
HK$84,334
−HK$2,585/mo
Today · 4.125%
HK$86,919
baseline
▲ 0.50% · 4.625%
HK$92,208
+HK$5,289/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,838/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,991
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,431
−HK$2,476/mo
Today · 4.125%
HK$95,907
baseline
▲ 0.50% · 4.625%
HK$100,962
+HK$5,055/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,814/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,148
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,201
−HK$3,102/mo
Today · 4.125%
HK$104,303
baseline
▲ 0.50% · 4.625%
HK$110,650
+HK$6,347/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$208,606/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,189
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,117
−HK$2,971/mo
Today · 4.125%
HK$115,088
baseline
▲ 0.50% · 4.625%
HK$121,154
+HK$6,066/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$230,176/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,506
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$118,068
−HK$3,619/mo
Today · 4.125%
HK$121,687
baseline
▲ 0.50% · 4.625%
HK$129,091
+HK$7,404/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$243,374/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,524,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,387
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$130,803
−HK$3,466/mo
Today · 4.125%
HK$134,269
baseline
▲ 0.50% · 4.625%
HK$141,347
+HK$7,078/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$268,538/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,524,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,222
−HK$9,232/mo
▼ 0.25% · 3.875%
HK$151,802
−HK$4,652/mo
Today · 4.125%
HK$156,454
baseline
▲ 0.50% · 4.625%
HK$165,974
+HK$9,520/mo
Deposit HK$3.59M · loan HK$32.28M · min. income ≈ HK$312,908/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,783
−HK$8,849/mo
▼ 0.25% · 3.875%
HK$168,176
−HK$4,456/mo
Today · 4.125%
HK$172,632
baseline
▲ 0.50% · 4.625%
HK$181,732
+HK$9,100/mo
Deposit HK$3.59M · loan HK$32.28M · min. income ≈ HK$345,264/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,427 · Scale 2, in force from 26 Feb 2026)