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$81,068
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,590
−HK$2,562/mo
Today · 4.125%
HK$86,152
baseline
▲ 0.50% · 4.625%
HK$91,394
+HK$5,242/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$172,304/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,510,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,187
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,606
−HK$2,454/mo
Today · 4.125%
HK$95,060
baseline
▲ 0.50% · 4.625%
HK$100,071
+HK$5,011/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$190,120/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,510,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,282
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$100,308
−HK$3,074/mo
Today · 4.125%
HK$103,382
baseline
▲ 0.50% · 4.625%
HK$109,672
+HK$6,290/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$206,764/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,225
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,127
−HK$2,945/mo
Today · 4.125%
HK$114,072
baseline
▲ 0.50% · 4.625%
HK$120,085
+HK$6,013/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$228,144/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,495
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$117,025
−HK$3,587/mo
Today · 4.125%
HK$120,612
baseline
▲ 0.50% · 4.625%
HK$127,951
+HK$7,339/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$241,224/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,510,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,262
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,648
−HK$3,436/mo
Today · 4.125%
HK$133,084
baseline
▲ 0.50% · 4.625%
HK$140,099
+HK$7,015/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$266,168/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,510,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,922
−HK$9,151/mo
▼ 0.25% · 3.875%
HK$150,461
−HK$4,612/mo
Today · 4.125%
HK$155,073
baseline
▲ 0.50% · 4.625%
HK$164,509
+HK$9,436/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$310,146/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,510,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,337
−HK$8,771/mo
▼ 0.25% · 3.875%
HK$166,691
−HK$4,417/mo
Today · 4.125%
HK$171,108
baseline
▲ 0.50% · 4.625%
HK$180,127
+HK$9,019/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$342,216/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,510,965 · Scale 2, in force from 26 Feb 2026)