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$81,362
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,892
−HK$2,572/mo
Today · 4.125%
HK$86,464
baseline
▲ 0.50% · 4.625%
HK$91,725
+HK$5,261/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$172,928/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,514
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,941
−HK$2,463/mo
Today · 4.125%
HK$95,404
baseline
▲ 0.50% · 4.625%
HK$100,433
+HK$5,029/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$190,808/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,634
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,671
−HK$3,085/mo
Today · 4.125%
HK$103,756
baseline
▲ 0.50% · 4.625%
HK$110,070
+HK$6,314/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$207,512/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,617
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,530
−HK$2,955/mo
Today · 4.125%
HK$114,485
baseline
▲ 0.50% · 4.625%
HK$120,520
+HK$6,035/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$228,970/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,906
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$117,449
−HK$3,600/mo
Today · 4.125%
HK$121,049
baseline
▲ 0.50% · 4.625%
HK$128,415
+HK$7,366/mo
Deposit HK$10.70M · loan HK$24.98M · min. income ≈ HK$242,098/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,719
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$130,118
−HK$3,448/mo
Today · 4.125%
HK$133,566
baseline
▲ 0.50% · 4.625%
HK$140,606
+HK$7,040/mo
Deposit HK$10.70M · loan HK$24.98M · min. income ≈ HK$267,132/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,451
−HK$9,183/mo
▼ 0.25% · 3.875%
HK$151,006
−HK$4,628/mo
Today · 4.125%
HK$155,634
baseline
▲ 0.50% · 4.625%
HK$165,104
+HK$9,470/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$311,268/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,925
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$167,295
−HK$4,432/mo
Today · 4.125%
HK$171,727
baseline
▲ 0.50% · 4.625%
HK$180,779
+HK$9,052/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$343,454/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,437 · Scale 2, in force from 26 Feb 2026)