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$81,264
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,792
−HK$2,568/mo
Today · 4.125%
HK$86,360
baseline
▲ 0.50% · 4.625%
HK$91,615
+HK$5,255/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,720/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,406
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,830
−HK$2,460/mo
Today · 4.125%
HK$95,290
baseline
▲ 0.50% · 4.625%
HK$100,313
+HK$5,023/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,580/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,517
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,551
−HK$3,082/mo
Today · 4.125%
HK$103,633
baseline
▲ 0.50% · 4.625%
HK$109,938
+HK$6,305/mo
Deposit HK$14.26M · loan HK$21.38M · min. income ≈ HK$207,266/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,487
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,397
−HK$2,951/mo
Today · 4.125%
HK$114,348
baseline
▲ 0.50% · 4.625%
HK$120,376
+HK$6,028/mo
Deposit HK$14.26M · loan HK$21.38M · min. income ≈ HK$228,696/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,770
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$117,309
−HK$3,596/mo
Today · 4.125%
HK$120,905
baseline
▲ 0.50% · 4.625%
HK$128,261
+HK$7,356/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$241,810/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,568
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,963
−HK$3,443/mo
Today · 4.125%
HK$133,406
baseline
▲ 0.50% · 4.625%
HK$140,438
+HK$7,032/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$266,812/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,276
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$150,826
−HK$4,623/mo
Today · 4.125%
HK$155,449
baseline
▲ 0.50% · 4.625%
HK$164,907
+HK$9,458/mo
Deposit HK$3.56M · loan HK$32.07M · min. income ≈ HK$310,898/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,731
−HK$8,791/mo
▼ 0.25% · 3.875%
HK$167,095
−HK$4,427/mo
Today · 4.125%
HK$171,522
baseline
▲ 0.50% · 4.625%
HK$180,564
+HK$9,042/mo
Deposit HK$3.56M · loan HK$32.07M · min. income ≈ HK$343,044/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,627 · Scale 2, in force from 26 Feb 2026)