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$81,277
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,805
−HK$2,569/mo
Today · 4.125%
HK$86,374
baseline
▲ 0.50% · 4.625%
HK$91,630
+HK$5,256/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,748/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,514,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,420
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,845
−HK$2,460/mo
Today · 4.125%
HK$95,305
baseline
▲ 0.50% · 4.625%
HK$100,329
+HK$5,024/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,610/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,514,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,533
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,567
−HK$3,082/mo
Today · 4.125%
HK$103,649
baseline
▲ 0.50% · 4.625%
HK$109,956
+HK$6,307/mo
Deposit HK$14.26M · loan HK$21.39M · min. income ≈ HK$207,298/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,504
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,414
−HK$2,952/mo
Today · 4.125%
HK$114,366
baseline
▲ 0.50% · 4.625%
HK$120,395
+HK$6,029/mo
Deposit HK$14.26M · loan HK$21.39M · min. income ≈ HK$228,732/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,788
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,328
−HK$3,596/mo
Today · 4.125%
HK$120,924
baseline
▲ 0.50% · 4.625%
HK$128,282
+HK$7,358/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$241,848/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,588
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$129,983
−HK$3,444/mo
Today · 4.125%
HK$133,427
baseline
▲ 0.50% · 4.625%
HK$140,461
+HK$7,034/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$266,854/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,299
−HK$9,174/mo
▼ 0.25% · 3.875%
HK$150,850
−HK$4,623/mo
Today · 4.125%
HK$155,473
baseline
▲ 0.50% · 4.625%
HK$164,934
+HK$9,461/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$310,946/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,756
−HK$8,794/mo
▼ 0.25% · 3.875%
HK$167,121
−HK$4,429/mo
Today · 4.125%
HK$171,550
baseline
▲ 0.50% · 4.625%
HK$180,592
+HK$9,042/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$343,100/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,867 · Scale 2, in force from 26 Feb 2026)