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$81,091
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,613
−HK$2,563/mo
Today · 4.125%
HK$86,176
baseline
▲ 0.50% · 4.625%
HK$91,420
+HK$5,244/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$172,352/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,511,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,213
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,632
−HK$2,455/mo
Today · 4.125%
HK$95,087
baseline
▲ 0.50% · 4.625%
HK$100,099
+HK$5,012/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$190,174/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,511,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,309
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,336
−HK$3,075/mo
Today · 4.125%
HK$103,411
baseline
▲ 0.50% · 4.625%
HK$109,704
+HK$6,293/mo
Deposit HK$14.22M · loan HK$21.34M · min. income ≈ HK$206,822/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,511,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,256
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,159
−HK$2,945/mo
Today · 4.125%
HK$114,104
baseline
▲ 0.50% · 4.625%
HK$120,119
+HK$6,015/mo
Deposit HK$14.22M · loan HK$21.34M · min. income ≈ HK$228,208/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,511,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,527
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$117,059
−HK$3,588/mo
Today · 4.125%
HK$120,647
baseline
▲ 0.50% · 4.625%
HK$127,988
+HK$7,341/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$241,294/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,511,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,298
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$129,685
−HK$3,437/mo
Today · 4.125%
HK$133,122
baseline
▲ 0.50% · 4.625%
HK$140,139
+HK$7,017/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$266,244/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,511,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,964
−HK$9,153/mo
▼ 0.25% · 3.875%
HK$150,504
−HK$4,613/mo
Today · 4.125%
HK$155,117
baseline
▲ 0.50% · 4.625%
HK$164,556
+HK$9,439/mo
Deposit HK$3.56M · loan HK$32.01M · min. income ≈ HK$310,234/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,511,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,383
−HK$8,773/mo
▼ 0.25% · 3.875%
HK$166,738
−HK$4,418/mo
Today · 4.125%
HK$171,156
baseline
▲ 0.50% · 4.625%
HK$180,178
+HK$9,022/mo
Deposit HK$3.56M · loan HK$32.01M · min. income ≈ HK$342,312/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,511,395 · Scale 2, in force from 26 Feb 2026)