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$81,806
−HK$5,130/mo
▼ 0.25% · 3.875%
HK$84,351
−HK$2,585/mo
Today · 4.125%
HK$86,936
baseline
▲ 0.50% · 4.625%
HK$92,226
+HK$5,290/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$173,872/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,008
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$93,449
−HK$2,476/mo
Today · 4.125%
HK$95,925
baseline
▲ 0.50% · 4.625%
HK$100,982
+HK$5,057/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$191,850/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,167
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,221
−HK$3,102/mo
Today · 4.125%
HK$104,323
baseline
▲ 0.50% · 4.625%
HK$110,671
+HK$6,348/mo
Deposit HK$14.35M · loan HK$21.53M · min. income ≈ HK$208,646/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,524,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,210
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,139
−HK$2,971/mo
Today · 4.125%
HK$115,110
baseline
▲ 0.50% · 4.625%
HK$121,178
+HK$6,068/mo
Deposit HK$14.35M · loan HK$21.53M · min. income ≈ HK$230,220/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,524,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,528
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,091
−HK$3,619/mo
Today · 4.125%
HK$121,710
baseline
▲ 0.50% · 4.625%
HK$129,116
+HK$7,406/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$243,420/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,524,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,412
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,829
−HK$3,466/mo
Today · 4.125%
HK$134,295
baseline
▲ 0.50% · 4.625%
HK$141,374
+HK$7,079/mo
Deposit HK$10.76M · loan HK$25.11M · min. income ≈ HK$268,590/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,524,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,251
−HK$9,234/mo
▼ 0.25% · 3.875%
HK$151,831
−HK$4,654/mo
Today · 4.125%
HK$156,485
baseline
▲ 0.50% · 4.625%
HK$166,006
+HK$9,521/mo
Deposit HK$3.59M · loan HK$32.29M · min. income ≈ HK$312,970/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,815
−HK$8,850/mo
▼ 0.25% · 3.875%
HK$168,208
−HK$4,457/mo
Today · 4.125%
HK$172,665
baseline
▲ 0.50% · 4.625%
HK$181,767
+HK$9,102/mo
Deposit HK$3.59M · loan HK$32.29M · min. income ≈ HK$345,330/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,721 · Scale 2, in force from 26 Feb 2026)