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$81,270
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,798
−HK$2,568/mo
Today · 4.125%
HK$86,366
baseline
▲ 0.50% · 4.625%
HK$91,621
+HK$5,255/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,732/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,514,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,412
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,837
−HK$2,460/mo
Today · 4.125%
HK$95,297
baseline
▲ 0.50% · 4.625%
HK$100,320
+HK$5,023/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,594/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,514,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,524
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,558
−HK$3,082/mo
Today · 4.125%
HK$103,640
baseline
▲ 0.50% · 4.625%
HK$109,946
+HK$6,306/mo
Deposit HK$14.26M · loan HK$21.38M · min. income ≈ HK$207,280/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,494
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,404
−HK$2,952/mo
Today · 4.125%
HK$114,356
baseline
▲ 0.50% · 4.625%
HK$120,384
+HK$6,028/mo
Deposit HK$14.26M · loan HK$21.38M · min. income ≈ HK$228,712/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,778
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$117,317
−HK$3,596/mo
Today · 4.125%
HK$120,913
baseline
▲ 0.50% · 4.625%
HK$128,270
+HK$7,357/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$241,826/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,577
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,972
−HK$3,443/mo
Today · 4.125%
HK$133,415
baseline
▲ 0.50% · 4.625%
HK$140,448
+HK$7,033/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$266,830/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,286
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$150,836
−HK$4,623/mo
Today · 4.125%
HK$155,459
baseline
▲ 0.50% · 4.625%
HK$164,919
+HK$9,460/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$310,918/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,742
−HK$8,792/mo
▼ 0.25% · 3.875%
HK$167,106
−HK$4,428/mo
Today · 4.125%
HK$171,534
baseline
▲ 0.50% · 4.625%
HK$180,576
+HK$9,042/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$343,068/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,731 · Scale 2, in force from 26 Feb 2026)