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$81,140
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,664
−HK$2,564/mo
Today · 4.125%
HK$86,228
baseline
▲ 0.50% · 4.625%
HK$91,475
+HK$5,247/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$172,456/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,512,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,267
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,688
−HK$2,456/mo
Today · 4.125%
HK$95,144
baseline
▲ 0.50% · 4.625%
HK$100,159
+HK$5,015/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$190,288/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,512,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,368
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,396
−HK$3,078/mo
Today · 4.125%
HK$103,474
baseline
▲ 0.50% · 4.625%
HK$109,770
+HK$6,296/mo
Deposit HK$14.23M · loan HK$21.35M · min. income ≈ HK$206,948/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,321
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,226
−HK$2,947/mo
Today · 4.125%
HK$114,173
baseline
▲ 0.50% · 4.625%
HK$120,191
+HK$6,018/mo
Deposit HK$14.23M · loan HK$21.35M · min. income ≈ HK$228,346/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,596
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$117,129
−HK$3,590/mo
Today · 4.125%
HK$120,719
baseline
▲ 0.50% · 4.625%
HK$128,065
+HK$7,346/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$241,438/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,374
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$129,763
−HK$3,439/mo
Today · 4.125%
HK$133,202
baseline
▲ 0.50% · 4.625%
HK$140,223
+HK$7,021/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$266,404/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,052
−HK$9,158/mo
▼ 0.25% · 3.875%
HK$150,595
−HK$4,615/mo
Today · 4.125%
HK$155,210
baseline
▲ 0.50% · 4.625%
HK$164,654
+HK$9,444/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$310,420/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,481
−HK$8,778/mo
▼ 0.25% · 3.875%
HK$166,839
−HK$4,420/mo
Today · 4.125%
HK$171,259
baseline
▲ 0.50% · 4.625%
HK$180,287
+HK$9,028/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$342,518/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,304 · Scale 2, in force from 26 Feb 2026)