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$81,311
−HK$5,099/mo
▼ 0.25% · 3.875%
HK$83,840
−HK$2,570/mo
Today · 4.125%
HK$86,410
baseline
▲ 0.50% · 4.625%
HK$91,667
+HK$5,257/mo
Deposit HK$17.83M · loan HK$17.83M · min. income ≈ HK$172,820/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,515,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,457
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$92,883
−HK$2,462/mo
Today · 4.125%
HK$95,345
baseline
▲ 0.50% · 4.625%
HK$100,370
+HK$5,025/mo
Deposit HK$17.83M · loan HK$17.83M · min. income ≈ HK$190,690/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,515,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,573
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,608
−HK$3,084/mo
Today · 4.125%
HK$103,692
baseline
▲ 0.50% · 4.625%
HK$110,001
+HK$6,309/mo
Deposit HK$14.26M · loan HK$21.40M · min. income ≈ HK$207,384/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,515,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,549
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,460
−HK$2,953/mo
Today · 4.125%
HK$114,413
baseline
▲ 0.50% · 4.625%
HK$120,444
+HK$6,031/mo
Deposit HK$14.26M · loan HK$21.40M · min. income ≈ HK$228,826/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,515,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,835
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$117,376
−HK$3,598/mo
Today · 4.125%
HK$120,974
baseline
▲ 0.50% · 4.625%
HK$128,334
+HK$7,360/mo
Deposit HK$10.70M · loan HK$24.96M · min. income ≈ HK$241,948/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,515,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,640
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$130,037
−HK$3,445/mo
Today · 4.125%
HK$133,482
baseline
▲ 0.50% · 4.625%
HK$140,518
+HK$7,036/mo
Deposit HK$10.70M · loan HK$24.96M · min. income ≈ HK$266,964/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,515,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,359
−HK$9,178/mo
▼ 0.25% · 3.875%
HK$150,912
−HK$4,625/mo
Today · 4.125%
HK$155,537
baseline
▲ 0.50% · 4.625%
HK$165,001
+HK$9,464/mo
Deposit HK$3.57M · loan HK$32.09M · min. income ≈ HK$311,074/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,823
−HK$8,797/mo
▼ 0.25% · 3.875%
HK$167,190
−HK$4,430/mo
Today · 4.125%
HK$171,620
baseline
▲ 0.50% · 4.625%
HK$180,667
+HK$9,047/mo
Deposit HK$3.57M · loan HK$32.09M · min. income ≈ HK$343,240/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,491 · Scale 2, in force from 26 Feb 2026)