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$81,379
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,910
−HK$2,572/mo
Today · 4.125%
HK$86,482
baseline
▲ 0.50% · 4.625%
HK$91,744
+HK$5,262/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$172,964/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,533
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,961
−HK$2,464/mo
Today · 4.125%
HK$95,425
baseline
▲ 0.50% · 4.625%
HK$100,455
+HK$5,030/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$190,850/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,655
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,692
−HK$3,087/mo
Today · 4.125%
HK$103,779
baseline
▲ 0.50% · 4.625%
HK$110,093
+HK$6,314/mo
Deposit HK$14.28M · loan HK$21.41M · min. income ≈ HK$207,558/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,640
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,554
−HK$2,955/mo
Today · 4.125%
HK$114,509
baseline
▲ 0.50% · 4.625%
HK$120,545
+HK$6,036/mo
Deposit HK$14.28M · loan HK$21.41M · min. income ≈ HK$229,018/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,931
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$117,475
−HK$3,600/mo
Today · 4.125%
HK$121,075
baseline
▲ 0.50% · 4.625%
HK$128,442
+HK$7,367/mo
Deposit HK$10.71M · loan HK$24.98M · min. income ≈ HK$242,150/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,747
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$130,146
−HK$3,448/mo
Today · 4.125%
HK$133,594
baseline
▲ 0.50% · 4.625%
HK$140,636
+HK$7,042/mo
Deposit HK$10.71M · loan HK$24.98M · min. income ≈ HK$267,188/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,482
−HK$9,186/mo
▼ 0.25% · 3.875%
HK$151,039
−HK$4,629/mo
Today · 4.125%
HK$155,668
baseline
▲ 0.50% · 4.625%
HK$165,140
+HK$9,472/mo
Deposit HK$3.57M · loan HK$32.12M · min. income ≈ HK$311,336/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,516,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,960
−HK$8,804/mo
▼ 0.25% · 3.875%
HK$167,331
−HK$4,433/mo
Today · 4.125%
HK$171,764
baseline
▲ 0.50% · 4.625%
HK$180,818
+HK$9,054/mo
Deposit HK$3.57M · loan HK$32.12M · min. income ≈ HK$343,528/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,516,763 · Scale 2, in force from 26 Feb 2026)