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$81,928
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,477
−HK$2,589/mo
Today · 4.125%
HK$87,066
baseline
▲ 0.50% · 4.625%
HK$92,364
+HK$5,298/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$174,132/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,144
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,589
−HK$2,480/mo
Today · 4.125%
HK$96,069
baseline
▲ 0.50% · 4.625%
HK$101,132
+HK$5,063/mo
Deposit HK$17.96M · loan HK$17.96M · min. income ≈ HK$192,138/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,526,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,314
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,372
−HK$3,107/mo
Today · 4.125%
HK$104,479
baseline
▲ 0.50% · 4.625%
HK$110,836
+HK$6,357/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$208,958/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,373
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,306
−HK$2,976/mo
Today · 4.125%
HK$115,282
baseline
▲ 0.50% · 4.625%
HK$121,359
+HK$6,077/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$230,564/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,526,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,699
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$118,267
−HK$3,625/mo
Today · 4.125%
HK$121,892
baseline
▲ 0.50% · 4.625%
HK$129,309
+HK$7,417/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$243,784/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,526,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,602
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$131,024
−HK$3,472/mo
Today · 4.125%
HK$134,496
baseline
▲ 0.50% · 4.625%
HK$141,585
+HK$7,089/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$268,992/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,526,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,471
−HK$9,247/mo
▼ 0.25% · 3.875%
HK$152,058
−HK$4,660/mo
Today · 4.125%
HK$156,718
baseline
▲ 0.50% · 4.625%
HK$166,254
+HK$9,536/mo
Deposit HK$3.59M · loan HK$32.34M · min. income ≈ HK$313,436/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,060
−HK$8,863/mo
▼ 0.25% · 3.875%
HK$168,460
−HK$4,463/mo
Today · 4.125%
HK$172,923
baseline
▲ 0.50% · 4.625%
HK$182,038
+HK$9,115/mo
Deposit HK$3.59M · loan HK$32.34M · min. income ≈ HK$345,846/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,526,999 · Scale 2, in force from 26 Feb 2026)