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$81,152
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,676
−HK$2,565/mo
Today · 4.125%
HK$86,241
baseline
▲ 0.50% · 4.625%
HK$91,488
+HK$5,247/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$172,482/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,512,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,281
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,702
−HK$2,456/mo
Today · 4.125%
HK$95,158
baseline
▲ 0.50% · 4.625%
HK$100,174
+HK$5,016/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$190,316/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,512,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,382
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,411
−HK$3,078/mo
Today · 4.125%
HK$103,489
baseline
▲ 0.50% · 4.625%
HK$109,786
+HK$6,297/mo
Deposit HK$14.24M · loan HK$21.35M · min. income ≈ HK$206,978/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,337
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,242
−HK$2,948/mo
Today · 4.125%
HK$114,190
baseline
▲ 0.50% · 4.625%
HK$120,209
+HK$6,019/mo
Deposit HK$14.24M · loan HK$21.35M · min. income ≈ HK$228,380/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,613
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$117,147
−HK$3,590/mo
Today · 4.125%
HK$120,737
baseline
▲ 0.50% · 4.625%
HK$128,084
+HK$7,347/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$241,474/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,393
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$129,783
−HK$3,439/mo
Today · 4.125%
HK$133,222
baseline
▲ 0.50% · 4.625%
HK$140,244
+HK$7,022/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$266,444/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,073
−HK$9,161/mo
▼ 0.25% · 3.875%
HK$150,617
−HK$4,617/mo
Today · 4.125%
HK$155,234
baseline
▲ 0.50% · 4.625%
HK$164,679
+HK$9,445/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$310,468/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,505
−HK$8,780/mo
▼ 0.25% · 3.875%
HK$166,864
−HK$4,421/mo
Today · 4.125%
HK$171,285
baseline
▲ 0.50% · 4.625%
HK$180,314
+HK$9,029/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$342,570/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,531 · Scale 2, in force from 26 Feb 2026)