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$81,249
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$83,776
−HK$2,568/mo
Today · 4.125%
HK$86,344
baseline
▲ 0.50% · 4.625%
HK$91,598
+HK$5,254/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,688/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,388
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,813
−HK$2,459/mo
Today · 4.125%
HK$95,272
baseline
▲ 0.50% · 4.625%
HK$100,294
+HK$5,022/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,544/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,498
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,531
−HK$3,081/mo
Today · 4.125%
HK$103,612
baseline
▲ 0.50% · 4.625%
HK$109,917
+HK$6,305/mo
Deposit HK$14.25M · loan HK$21.38M · min. income ≈ HK$207,224/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,466
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,375
−HK$2,951/mo
Today · 4.125%
HK$114,326
baseline
▲ 0.50% · 4.625%
HK$120,352
+HK$6,026/mo
Deposit HK$14.25M · loan HK$21.38M · min. income ≈ HK$228,652/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,748
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$117,286
−HK$3,595/mo
Today · 4.125%
HK$120,881
baseline
▲ 0.50% · 4.625%
HK$128,237
+HK$7,356/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$241,762/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,514,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,544
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$129,938
−HK$3,443/mo
Today · 4.125%
HK$133,381
baseline
▲ 0.50% · 4.625%
HK$140,411
+HK$7,030/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$266,762/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,514,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,248
−HK$9,171/mo
▼ 0.25% · 3.875%
HK$150,797
−HK$4,622/mo
Today · 4.125%
HK$155,419
baseline
▲ 0.50% · 4.625%
HK$164,876
+HK$9,457/mo
Deposit HK$3.56M · loan HK$32.07M · min. income ≈ HK$310,838/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,699
−HK$8,790/mo
▼ 0.25% · 3.875%
HK$167,063
−HK$4,426/mo
Today · 4.125%
HK$171,489
baseline
▲ 0.50% · 4.625%
HK$180,529
+HK$9,040/mo
Deposit HK$3.56M · loan HK$32.07M · min. income ≈ HK$342,978/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,335 · Scale 2, in force from 26 Feb 2026)