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$81,054
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,575
−HK$2,562/mo
Today · 4.125%
HK$86,137
baseline
▲ 0.50% · 4.625%
HK$91,378
+HK$5,241/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$172,274/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,172
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,590
−HK$2,454/mo
Today · 4.125%
HK$95,044
baseline
▲ 0.50% · 4.625%
HK$100,053
+HK$5,009/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$190,088/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,265
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,290
−HK$3,074/mo
Today · 4.125%
HK$103,364
baseline
▲ 0.50% · 4.625%
HK$109,654
+HK$6,290/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$206,728/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,206
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,108
−HK$2,944/mo
Today · 4.125%
HK$114,052
baseline
▲ 0.50% · 4.625%
HK$120,064
+HK$6,012/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$228,104/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,476
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$117,005
−HK$3,587/mo
Today · 4.125%
HK$120,592
baseline
▲ 0.50% · 4.625%
HK$127,929
+HK$7,337/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$241,184/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,241
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$129,626
−HK$3,435/mo
Today · 4.125%
HK$133,061
baseline
▲ 0.50% · 4.625%
HK$140,075
+HK$7,014/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$266,122/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,897
−HK$9,149/mo
▼ 0.25% · 3.875%
HK$150,436
−HK$4,610/mo
Today · 4.125%
HK$155,046
baseline
▲ 0.50% · 4.625%
HK$164,481
+HK$9,435/mo
Deposit HK$3.55M · loan HK$31.99M · min. income ≈ HK$310,092/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,510,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,309
−HK$8,769/mo
▼ 0.25% · 3.875%
HK$166,662
−HK$4,416/mo
Today · 4.125%
HK$171,078
baseline
▲ 0.50% · 4.625%
HK$180,096
+HK$9,018/mo
Deposit HK$3.55M · loan HK$31.99M · min. income ≈ HK$342,156/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,510,707 · Scale 2, in force from 26 Feb 2026)