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$81,209
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,735
−HK$2,567/mo
Today · 4.125%
HK$86,302
baseline
▲ 0.50% · 4.625%
HK$91,553
+HK$5,251/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$172,604/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,344
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,767
−HK$2,458/mo
Today · 4.125%
HK$95,225
baseline
▲ 0.50% · 4.625%
HK$100,245
+HK$5,020/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$190,450/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,451
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,482
−HK$3,080/mo
Today · 4.125%
HK$103,562
baseline
▲ 0.50% · 4.625%
HK$109,864
+HK$6,302/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$207,124/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,413
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,321
−HK$2,950/mo
Today · 4.125%
HK$114,271
baseline
▲ 0.50% · 4.625%
HK$120,294
+HK$6,023/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$228,542/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,693
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,229
−HK$3,593/mo
Today · 4.125%
HK$120,822
baseline
▲ 0.50% · 4.625%
HK$128,174
+HK$7,352/mo
Deposit HK$10.68M · loan HK$24.93M · min. income ≈ HK$241,644/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,482
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$129,874
−HK$3,442/mo
Today · 4.125%
HK$133,316
baseline
▲ 0.50% · 4.625%
HK$140,343
+HK$7,027/mo
Deposit HK$10.68M · loan HK$24.93M · min. income ≈ HK$266,632/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,177
−HK$9,166/mo
▼ 0.25% · 3.875%
HK$150,723
−HK$4,620/mo
Today · 4.125%
HK$155,343
baseline
▲ 0.50% · 4.625%
HK$164,795
+HK$9,452/mo
Deposit HK$3.56M · loan HK$32.05M · min. income ≈ HK$310,686/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,513,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,620
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$166,981
−HK$4,425/mo
Today · 4.125%
HK$171,406
baseline
▲ 0.50% · 4.625%
HK$180,441
+HK$9,035/mo
Deposit HK$3.56M · loan HK$32.05M · min. income ≈ HK$342,812/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,513,598 · Scale 2, in force from 26 Feb 2026)