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$81,931
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,479
−HK$2,590/mo
Today · 4.125%
HK$87,069
baseline
▲ 0.50% · 4.625%
HK$92,367
+HK$5,298/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$174,138/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,527,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,147
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,592
−HK$2,480/mo
Today · 4.125%
HK$96,072
baseline
▲ 0.50% · 4.625%
HK$101,136
+HK$5,064/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$192,144/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,527,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,317
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,375
−HK$3,107/mo
Today · 4.125%
HK$104,482
baseline
▲ 0.50% · 4.625%
HK$110,840
+HK$6,358/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$208,964/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,527,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,377
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,310
−HK$2,976/mo
Today · 4.125%
HK$115,286
baseline
▲ 0.50% · 4.625%
HK$121,363
+HK$6,077/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$230,572/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,527,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,703
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$118,271
−HK$3,625/mo
Today · 4.125%
HK$121,896
baseline
▲ 0.50% · 4.625%
HK$129,313
+HK$7,417/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$243,792/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,606
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$131,029
−HK$3,471/mo
Today · 4.125%
HK$134,500
baseline
▲ 0.50% · 4.625%
HK$141,590
+HK$7,090/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$269,000/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,476
−HK$9,248/mo
▼ 0.25% · 3.875%
HK$152,063
−HK$4,661/mo
Today · 4.125%
HK$156,724
baseline
▲ 0.50% · 4.625%
HK$166,260
+HK$9,536/mo
Deposit HK$3.59M · loan HK$32.34M · min. income ≈ HK$313,448/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,065
−HK$8,864/mo
▼ 0.25% · 3.875%
HK$168,465
−HK$4,464/mo
Today · 4.125%
HK$172,929
baseline
▲ 0.50% · 4.625%
HK$182,044
+HK$9,115/mo
Deposit HK$3.59M · loan HK$32.34M · min. income ≈ HK$345,858/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,050 · Scale 2, in force from 26 Feb 2026)