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$81,330
−HK$5,100/mo
▼ 0.25% · 3.875%
HK$83,860
−HK$2,570/mo
Today · 4.125%
HK$86,430
baseline
▲ 0.50% · 4.625%
HK$91,689
+HK$5,259/mo
Deposit HK$17.83M · loan HK$17.83M · min. income ≈ HK$172,860/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,515,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,479
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,905
−HK$2,462/mo
Today · 4.125%
HK$95,367
baseline
▲ 0.50% · 4.625%
HK$100,394
+HK$5,027/mo
Deposit HK$17.83M · loan HK$17.83M · min. income ≈ HK$190,734/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,515,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,596
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,632
−HK$3,084/mo
Today · 4.125%
HK$103,716
baseline
▲ 0.50% · 4.625%
HK$110,027
+HK$6,311/mo
Deposit HK$14.27M · loan HK$21.40M · min. income ≈ HK$207,432/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,515,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,574
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,486
−HK$2,954/mo
Today · 4.125%
HK$114,440
baseline
▲ 0.50% · 4.625%
HK$120,473
+HK$6,033/mo
Deposit HK$14.27M · loan HK$21.40M · min. income ≈ HK$228,880/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,515,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,862
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$117,404
−HK$3,598/mo
Today · 4.125%
HK$121,002
baseline
▲ 0.50% · 4.625%
HK$128,365
+HK$7,363/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$242,004/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,515,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,670
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$130,067
−HK$3,447/mo
Today · 4.125%
HK$133,514
baseline
▲ 0.50% · 4.625%
HK$140,551
+HK$7,037/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$267,028/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,515,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,394
−HK$9,180/mo
▼ 0.25% · 3.875%
HK$150,947
−HK$4,627/mo
Today · 4.125%
HK$155,574
baseline
▲ 0.50% · 4.625%
HK$165,040
+HK$9,466/mo
Deposit HK$3.57M · loan HK$32.10M · min. income ≈ HK$311,148/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,862
−HK$8,798/mo
▼ 0.25% · 3.875%
HK$167,229
−HK$4,431/mo
Today · 4.125%
HK$171,660
baseline
▲ 0.50% · 4.625%
HK$180,709
+HK$9,049/mo
Deposit HK$3.57M · loan HK$32.10M · min. income ≈ HK$343,320/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,847 · Scale 2, in force from 26 Feb 2026)