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$81,060
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,582
−HK$2,561/mo
Today · 4.125%
HK$86,143
baseline
▲ 0.50% · 4.625%
HK$91,385
+HK$5,242/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$172,286/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,510,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,179
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,597
−HK$2,454/mo
Today · 4.125%
HK$95,051
baseline
▲ 0.50% · 4.625%
HK$100,061
+HK$5,010/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$190,102/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,510,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,272
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$100,298
−HK$3,074/mo
Today · 4.125%
HK$103,372
baseline
▲ 0.50% · 4.625%
HK$109,662
+HK$6,290/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$206,744/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,215
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,117
−HK$2,944/mo
Today · 4.125%
HK$114,061
baseline
▲ 0.50% · 4.625%
HK$120,073
+HK$6,012/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$228,122/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,484
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$117,014
−HK$3,587/mo
Today · 4.125%
HK$120,601
baseline
▲ 0.50% · 4.625%
HK$127,939
+HK$7,338/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$241,202/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,510,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,250
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,636
−HK$3,435/mo
Today · 4.125%
HK$133,071
baseline
▲ 0.50% · 4.625%
HK$140,086
+HK$7,015/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$266,142/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,510,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,909
−HK$9,149/mo
▼ 0.25% · 3.875%
HK$150,447
−HK$4,611/mo
Today · 4.125%
HK$155,058
baseline
▲ 0.50% · 4.625%
HK$164,493
+HK$9,435/mo
Deposit HK$3.55M · loan HK$31.99M · min. income ≈ HK$310,116/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,510,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,322
−HK$8,770/mo
▼ 0.25% · 3.875%
HK$166,675
−HK$4,417/mo
Today · 4.125%
HK$171,092
baseline
▲ 0.50% · 4.625%
HK$180,110
+HK$9,018/mo
Deposit HK$3.55M · loan HK$31.99M · min. income ≈ HK$342,184/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,510,823 · Scale 2, in force from 26 Feb 2026)