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$81,136
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,660
−HK$2,564/mo
Today · 4.125%
HK$86,224
baseline
▲ 0.50% · 4.625%
HK$91,471
+HK$5,247/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$172,448/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,512,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,263
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,684
−HK$2,456/mo
Today · 4.125%
HK$95,140
baseline
▲ 0.50% · 4.625%
HK$100,155
+HK$5,015/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$190,280/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,512,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,364
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,392
−HK$3,077/mo
Today · 4.125%
HK$103,469
baseline
▲ 0.50% · 4.625%
HK$109,765
+HK$6,296/mo
Deposit HK$14.23M · loan HK$21.35M · min. income ≈ HK$206,938/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,316
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,221
−HK$2,947/mo
Today · 4.125%
HK$114,168
baseline
▲ 0.50% · 4.625%
HK$120,186
+HK$6,018/mo
Deposit HK$14.23M · loan HK$21.35M · min. income ≈ HK$228,336/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,591
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$117,124
−HK$3,590/mo
Today · 4.125%
HK$120,714
baseline
▲ 0.50% · 4.625%
HK$128,059
+HK$7,345/mo
Deposit HK$10.67M · loan HK$24.91M · min. income ≈ HK$241,428/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,369
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$129,758
−HK$3,438/mo
Today · 4.125%
HK$133,196
baseline
▲ 0.50% · 4.625%
HK$140,217
+HK$7,021/mo
Deposit HK$10.67M · loan HK$24.91M · min. income ≈ HK$266,392/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,045
−HK$9,159/mo
▼ 0.25% · 3.875%
HK$150,588
−HK$4,616/mo
Today · 4.125%
HK$155,204
baseline
▲ 0.50% · 4.625%
HK$164,647
+HK$9,443/mo
Deposit HK$3.56M · loan HK$32.02M · min. income ≈ HK$310,408/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,474
−HK$8,778/mo
▼ 0.25% · 3.875%
HK$166,831
−HK$4,421/mo
Today · 4.125%
HK$171,252
baseline
▲ 0.50% · 4.625%
HK$180,279
+HK$9,027/mo
Deposit HK$3.56M · loan HK$32.02M · min. income ≈ HK$342,504/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,239 · Scale 2, in force from 26 Feb 2026)