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$81,826
−HK$5,131/mo
▼ 0.25% · 3.875%
HK$84,371
−HK$2,586/mo
Today · 4.125%
HK$86,957
baseline
▲ 0.50% · 4.625%
HK$92,248
+HK$5,291/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$173,914/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,525,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,031
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$93,472
−HK$2,477/mo
Today · 4.125%
HK$95,949
baseline
▲ 0.50% · 4.625%
HK$101,006
+HK$5,057/mo
Deposit HK$17.94M · loan HK$17.94M · min. income ≈ HK$191,898/mo (50% DSR)
Upfront cash ≈ HK$19.47M (deposit + AVD stamp duty HK$1,525,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,191
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,246
−HK$3,103/mo
Today · 4.125%
HK$104,349
baseline
▲ 0.50% · 4.625%
HK$110,698
+HK$6,349/mo
Deposit HK$14.35M · loan HK$21.53M · min. income ≈ HK$208,698/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,525,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,237
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,166
−HK$2,973/mo
Today · 4.125%
HK$115,139
baseline
▲ 0.50% · 4.625%
HK$121,208
+HK$6,069/mo
Deposit HK$14.35M · loan HK$21.53M · min. income ≈ HK$230,278/mo (50% DSR)
Upfront cash ≈ HK$15.88M (deposit + AVD stamp duty HK$1,525,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,557
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$118,120
−HK$3,620/mo
Today · 4.125%
HK$121,740
baseline
▲ 0.50% · 4.625%
HK$129,148
+HK$7,408/mo
Deposit HK$10.77M · loan HK$25.12M · min. income ≈ HK$243,480/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,525,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,443
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$130,861
−HK$3,467/mo
Today · 4.125%
HK$134,328
baseline
▲ 0.50% · 4.625%
HK$141,409
+HK$7,081/mo
Deposit HK$10.77M · loan HK$25.12M · min. income ≈ HK$268,656/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,525,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,287
−HK$9,236/mo
▼ 0.25% · 3.875%
HK$151,868
−HK$4,655/mo
Today · 4.125%
HK$156,523
baseline
▲ 0.50% · 4.625%
HK$166,047
+HK$9,524/mo
Deposit HK$3.59M · loan HK$32.30M · min. income ≈ HK$313,046/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,525,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,855
−HK$8,853/mo
▼ 0.25% · 3.875%
HK$168,250
−HK$4,458/mo
Today · 4.125%
HK$172,708
baseline
▲ 0.50% · 4.625%
HK$181,811
+HK$9,103/mo
Deposit HK$3.59M · loan HK$32.30M · min. income ≈ HK$345,416/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,525,096 · Scale 2, in force from 26 Feb 2026)