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$82,887
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,465
−HK$2,620/mo
Today · 4.125%
HK$88,085
baseline
▲ 0.50% · 4.625%
HK$93,444
+HK$5,359/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$176,170/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,211
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,684
−HK$2,509/mo
Today · 4.125%
HK$97,193
baseline
▲ 0.50% · 4.625%
HK$102,316
+HK$5,123/mo
Deposit HK$18.17M · loan HK$18.17M · min. income ≈ HK$194,386/mo (50% DSR)
Upfront cash ≈ HK$19.72M (deposit + AVD stamp duty HK$1,544,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,464
−HK$6,238/mo
▼ 0.25% · 3.875%
HK$102,558
−HK$3,144/mo
Today · 4.125%
HK$105,702
baseline
▲ 0.50% · 4.625%
HK$112,133
+HK$6,431/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$211,404/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,653
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$113,621
−HK$3,010/mo
Today · 4.125%
HK$116,631
baseline
▲ 0.50% · 4.625%
HK$122,779
+HK$6,148/mo
Deposit HK$14.54M · loan HK$21.81M · min. income ≈ HK$233,262/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,544,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,042
−HK$7,277/mo
▼ 0.25% · 3.875%
HK$119,651
−HK$3,668/mo
Today · 4.125%
HK$123,319
baseline
▲ 0.50% · 4.625%
HK$130,822
+HK$7,503/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$246,638/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,095
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$132,558
−HK$3,512/mo
Today · 4.125%
HK$136,070
baseline
▲ 0.50% · 4.625%
HK$143,242
+HK$7,172/mo
Deposit HK$10.90M · loan HK$25.44M · min. income ≈ HK$272,140/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,544,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,197
−HK$9,355/mo
▼ 0.25% · 3.875%
HK$153,837
−HK$4,715/mo
Today · 4.125%
HK$158,552
baseline
▲ 0.50% · 4.625%
HK$168,200
+HK$9,648/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$317,104/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$165,980
−HK$8,967/mo
▼ 0.25% · 3.875%
HK$170,431
−HK$4,516/mo
Today · 4.125%
HK$174,947
baseline
▲ 0.50% · 4.625%
HK$184,169
+HK$9,222/mo
Deposit HK$3.63M · loan HK$32.71M · min. income ≈ HK$349,894/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$1,544,869 · Scale 2, in force from 26 Feb 2026)