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$81,051
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,572
−HK$2,562/mo
Today · 4.125%
HK$86,134
baseline
▲ 0.50% · 4.625%
HK$91,375
+HK$5,241/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$172,268/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,168
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,587
−HK$2,453/mo
Today · 4.125%
HK$95,040
baseline
▲ 0.50% · 4.625%
HK$100,050
+HK$5,010/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$190,080/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,261
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,287
−HK$3,073/mo
Today · 4.125%
HK$103,360
baseline
▲ 0.50% · 4.625%
HK$109,650
+HK$6,290/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$206,720/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,202
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,104
−HK$2,944/mo
Today · 4.125%
HK$114,048
baseline
▲ 0.50% · 4.625%
HK$120,060
+HK$6,012/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$228,096/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,471
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$117,001
−HK$3,586/mo
Today · 4.125%
HK$120,587
baseline
▲ 0.50% · 4.625%
HK$127,925
+HK$7,338/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$241,174/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,236
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$129,621
−HK$3,435/mo
Today · 4.125%
HK$133,056
baseline
▲ 0.50% · 4.625%
HK$140,070
+HK$7,014/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$266,112/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,892
−HK$9,149/mo
▼ 0.25% · 3.875%
HK$150,430
−HK$4,611/mo
Today · 4.125%
HK$155,041
baseline
▲ 0.50% · 4.625%
HK$164,474
+HK$9,433/mo
Deposit HK$3.55M · loan HK$31.99M · min. income ≈ HK$310,082/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,510,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,303
−HK$8,769/mo
▼ 0.25% · 3.875%
HK$166,656
−HK$4,416/mo
Today · 4.125%
HK$171,072
baseline
▲ 0.50% · 4.625%
HK$180,089
+HK$9,017/mo
Deposit HK$3.55M · loan HK$31.99M · min. income ≈ HK$342,144/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,510,650 · Scale 2, in force from 26 Feb 2026)