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$81,273
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,801
−HK$2,568/mo
Today · 4.125%
HK$86,369
baseline
▲ 0.50% · 4.625%
HK$91,624
+HK$5,255/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,738/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,514,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,415
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,840
−HK$2,460/mo
Today · 4.125%
HK$95,300
baseline
▲ 0.50% · 4.625%
HK$100,323
+HK$5,023/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,600/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,514,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,527
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,561
−HK$3,082/mo
Today · 4.125%
HK$103,643
baseline
▲ 0.50% · 4.625%
HK$109,949
+HK$6,306/mo
Deposit HK$14.26M · loan HK$21.39M · min. income ≈ HK$207,286/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,498
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,408
−HK$2,952/mo
Today · 4.125%
HK$114,360
baseline
▲ 0.50% · 4.625%
HK$120,388
+HK$6,028/mo
Deposit HK$14.26M · loan HK$21.39M · min. income ≈ HK$228,720/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,782
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$117,321
−HK$3,596/mo
Today · 4.125%
HK$120,917
baseline
▲ 0.50% · 4.625%
HK$128,274
+HK$7,357/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$241,834/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,581
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$129,976
−HK$3,444/mo
Today · 4.125%
HK$133,420
baseline
▲ 0.50% · 4.625%
HK$140,452
+HK$7,032/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$266,840/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,291
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$150,841
−HK$4,623/mo
Today · 4.125%
HK$155,464
baseline
▲ 0.50% · 4.625%
HK$164,924
+HK$9,460/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$310,928/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,747
−HK$8,792/mo
▼ 0.25% · 3.875%
HK$167,112
−HK$4,427/mo
Today · 4.125%
HK$171,539
baseline
▲ 0.50% · 4.625%
HK$180,582
+HK$9,043/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$343,078/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,778 · Scale 2, in force from 26 Feb 2026)