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$81,980
−HK$5,141/mo
▼ 0.25% · 3.875%
HK$84,530
−HK$2,591/mo
Today · 4.125%
HK$87,121
baseline
▲ 0.50% · 4.625%
HK$92,422
+HK$5,301/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$174,242/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,202
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$93,648
−HK$2,482/mo
Today · 4.125%
HK$96,130
baseline
▲ 0.50% · 4.625%
HK$101,197
+HK$5,067/mo
Deposit HK$17.98M · loan HK$17.98M · min. income ≈ HK$192,260/mo (50% DSR)
Upfront cash ≈ HK$19.50M (deposit + AVD stamp duty HK$1,527,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,376
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$101,436
−HK$3,109/mo
Today · 4.125%
HK$104,545
baseline
▲ 0.50% · 4.625%
HK$110,907
+HK$6,362/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$209,090/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,527,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,443
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,378
−HK$2,978/mo
Today · 4.125%
HK$115,356
baseline
▲ 0.50% · 4.625%
HK$121,436
+HK$6,080/mo
Deposit HK$14.38M · loan HK$21.57M · min. income ≈ HK$230,712/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,527,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,772
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$118,342
−HK$3,628/mo
Today · 4.125%
HK$121,970
baseline
▲ 0.50% · 4.625%
HK$129,391
+HK$7,421/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$243,940/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,683
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$131,108
−HK$3,473/mo
Today · 4.125%
HK$134,581
baseline
▲ 0.50% · 4.625%
HK$141,675
+HK$7,094/mo
Deposit HK$10.79M · loan HK$25.17M · min. income ≈ HK$269,162/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,565
−HK$9,253/mo
▼ 0.25% · 3.875%
HK$152,155
−HK$4,663/mo
Today · 4.125%
HK$156,818
baseline
▲ 0.50% · 4.625%
HK$166,360
+HK$9,542/mo
Deposit HK$3.60M · loan HK$32.36M · min. income ≈ HK$313,636/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,164
−HK$8,869/mo
▼ 0.25% · 3.875%
HK$168,567
−HK$4,466/mo
Today · 4.125%
HK$173,033
baseline
▲ 0.50% · 4.625%
HK$182,154
+HK$9,121/mo
Deposit HK$3.60M · loan HK$32.36M · min. income ≈ HK$346,066/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,970 · Scale 2, in force from 26 Feb 2026)