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$81,234
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,761
−HK$2,567/mo
Today · 4.125%
HK$86,328
baseline
▲ 0.50% · 4.625%
HK$91,581
+HK$5,253/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$172,656/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,372
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,796
−HK$2,458/mo
Today · 4.125%
HK$95,254
baseline
▲ 0.50% · 4.625%
HK$100,275
+HK$5,021/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$190,508/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,481
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,513
−HK$3,081/mo
Today · 4.125%
HK$103,594
baseline
▲ 0.50% · 4.625%
HK$109,897
+HK$6,303/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$207,188/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,514,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,446
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,355
−HK$2,950/mo
Today · 4.125%
HK$114,305
baseline
▲ 0.50% · 4.625%
HK$120,330
+HK$6,025/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$228,610/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,514,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,727
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$117,265
−HK$3,594/mo
Today · 4.125%
HK$120,859
baseline
▲ 0.50% · 4.625%
HK$128,213
+HK$7,354/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$241,718/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,514,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,521
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$129,914
−HK$3,442/mo
Today · 4.125%
HK$133,356
baseline
▲ 0.50% · 4.625%
HK$140,385
+HK$7,029/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$266,712/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,514,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,221
−HK$9,169/mo
▼ 0.25% · 3.875%
HK$150,769
−HK$4,621/mo
Today · 4.125%
HK$155,390
baseline
▲ 0.50% · 4.625%
HK$164,845
+HK$9,455/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$310,780/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,669
−HK$8,789/mo
▼ 0.25% · 3.875%
HK$167,032
−HK$4,426/mo
Today · 4.125%
HK$171,458
baseline
▲ 0.50% · 4.625%
HK$180,496
+HK$9,038/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$342,916/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,058 · Scale 2, in force from 26 Feb 2026)