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$81,263
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,791
−HK$2,568/mo
Today · 4.125%
HK$86,359
baseline
▲ 0.50% · 4.625%
HK$91,614
+HK$5,255/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,718/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,404
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,829
−HK$2,460/mo
Today · 4.125%
HK$95,289
baseline
▲ 0.50% · 4.625%
HK$100,311
+HK$5,022/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,578/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,516
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,549
−HK$3,082/mo
Today · 4.125%
HK$103,631
baseline
▲ 0.50% · 4.625%
HK$109,936
+HK$6,305/mo
Deposit HK$14.26M · loan HK$21.38M · min. income ≈ HK$207,262/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,485
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,395
−HK$2,951/mo
Today · 4.125%
HK$114,346
baseline
▲ 0.50% · 4.625%
HK$120,374
+HK$6,028/mo
Deposit HK$14.26M · loan HK$21.38M · min. income ≈ HK$228,692/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,768
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$117,307
−HK$3,596/mo
Today · 4.125%
HK$120,903
baseline
▲ 0.50% · 4.625%
HK$128,259
+HK$7,356/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$241,806/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,566
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,961
−HK$3,443/mo
Today · 4.125%
HK$133,404
baseline
▲ 0.50% · 4.625%
HK$140,436
+HK$7,032/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$266,808/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,274
−HK$9,172/mo
▼ 0.25% · 3.875%
HK$150,823
−HK$4,623/mo
Today · 4.125%
HK$155,446
baseline
▲ 0.50% · 4.625%
HK$164,905
+HK$9,459/mo
Deposit HK$3.56M · loan HK$32.07M · min. income ≈ HK$310,892/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,728
−HK$8,792/mo
▼ 0.25% · 3.875%
HK$167,092
−HK$4,428/mo
Today · 4.125%
HK$171,520
baseline
▲ 0.50% · 4.625%
HK$180,561
+HK$9,041/mo
Deposit HK$3.56M · loan HK$32.07M · min. income ≈ HK$343,040/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,602 · Scale 2, in force from 26 Feb 2026)