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$81,932
−HK$5,138/mo
▼ 0.25% · 3.875%
HK$84,481
−HK$2,589/mo
Today · 4.125%
HK$87,070
baseline
▲ 0.50% · 4.625%
HK$92,368
+HK$5,298/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$174,140/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,527,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,149
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$93,594
−HK$2,480/mo
Today · 4.125%
HK$96,074
baseline
▲ 0.50% · 4.625%
HK$101,138
+HK$5,064/mo
Deposit HK$17.97M · loan HK$17.97M · min. income ≈ HK$192,148/mo (50% DSR)
Upfront cash ≈ HK$19.49M (deposit + AVD stamp duty HK$1,527,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,319
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$101,377
−HK$3,107/mo
Today · 4.125%
HK$104,484
baseline
▲ 0.50% · 4.625%
HK$110,842
+HK$6,358/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$208,968/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,527,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,379
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$112,312
−HK$2,976/mo
Today · 4.125%
HK$115,288
baseline
▲ 0.50% · 4.625%
HK$121,365
+HK$6,077/mo
Deposit HK$14.37M · loan HK$21.56M · min. income ≈ HK$230,576/mo (50% DSR)
Upfront cash ≈ HK$15.90M (deposit + AVD stamp duty HK$1,527,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,705
−HK$7,193/mo
▼ 0.25% · 3.875%
HK$118,273
−HK$3,625/mo
Today · 4.125%
HK$121,898
baseline
▲ 0.50% · 4.625%
HK$129,316
+HK$7,418/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$243,796/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,609
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$131,031
−HK$3,472/mo
Today · 4.125%
HK$134,503
baseline
▲ 0.50% · 4.625%
HK$141,593
+HK$7,090/mo
Deposit HK$10.78M · loan HK$25.15M · min. income ≈ HK$269,006/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,527,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,478
−HK$9,249/mo
▼ 0.25% · 3.875%
HK$152,066
−HK$4,661/mo
Today · 4.125%
HK$156,727
baseline
▲ 0.50% · 4.625%
HK$166,263
+HK$9,536/mo
Deposit HK$3.59M · loan HK$32.34M · min. income ≈ HK$313,454/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,068
−HK$8,864/mo
▼ 0.25% · 3.875%
HK$168,468
−HK$4,464/mo
Today · 4.125%
HK$172,932
baseline
▲ 0.50% · 4.625%
HK$182,048
+HK$9,116/mo
Deposit HK$3.59M · loan HK$32.34M · min. income ≈ HK$345,864/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$1,527,079 · Scale 2, in force from 26 Feb 2026)