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$81,779
−HK$5,128/mo
▼ 0.25% · 3.875%
HK$84,323
−HK$2,584/mo
Today · 4.125%
HK$86,907
baseline
▲ 0.50% · 4.625%
HK$92,195
+HK$5,288/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,814/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,978
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$93,418
−HK$2,476/mo
Today · 4.125%
HK$95,894
baseline
▲ 0.50% · 4.625%
HK$100,948
+HK$5,054/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,788/mo (50% DSR)
Upfront cash ≈ HK$19.46M (deposit + AVD stamp duty HK$1,524,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,135
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,187
−HK$3,102/mo
Today · 4.125%
HK$104,289
baseline
▲ 0.50% · 4.625%
HK$110,635
+HK$6,346/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$208,578/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,174
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,102
−HK$2,970/mo
Today · 4.125%
HK$115,072
baseline
▲ 0.50% · 4.625%
HK$121,138
+HK$6,066/mo
Deposit HK$14.35M · loan HK$21.52M · min. income ≈ HK$230,144/mo (50% DSR)
Upfront cash ≈ HK$15.87M (deposit + AVD stamp duty HK$1,524,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,491
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$118,052
−HK$3,618/mo
Today · 4.125%
HK$121,670
baseline
▲ 0.50% · 4.625%
HK$129,074
+HK$7,404/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$243,340/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,524,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,370
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$130,786
−HK$3,465/mo
Today · 4.125%
HK$134,251
baseline
▲ 0.50% · 4.625%
HK$141,328
+HK$7,077/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$268,502/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,524,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,202
−HK$9,231/mo
▼ 0.25% · 3.875%
HK$151,781
−HK$4,652/mo
Today · 4.125%
HK$156,433
baseline
▲ 0.50% · 4.625%
HK$165,952
+HK$9,519/mo
Deposit HK$3.59M · loan HK$32.28M · min. income ≈ HK$312,866/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,761
−HK$8,848/mo
▼ 0.25% · 3.875%
HK$168,153
−HK$4,456/mo
Today · 4.125%
HK$172,609
baseline
▲ 0.50% · 4.625%
HK$181,707
+HK$9,098/mo
Deposit HK$3.59M · loan HK$32.28M · min. income ≈ HK$345,218/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,524,220 · Scale 2, in force from 26 Feb 2026)