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$81,226
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,753
−HK$2,567/mo
Today · 4.125%
HK$86,320
baseline
▲ 0.50% · 4.625%
HK$91,572
+HK$5,252/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$172,640/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,363
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,787
−HK$2,458/mo
Today · 4.125%
HK$95,245
baseline
▲ 0.50% · 4.625%
HK$100,266
+HK$5,021/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$190,490/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,471
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,503
−HK$3,081/mo
Today · 4.125%
HK$103,584
baseline
▲ 0.50% · 4.625%
HK$109,886
+HK$6,302/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$207,168/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,436
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,344
−HK$2,950/mo
Today · 4.125%
HK$114,294
baseline
▲ 0.50% · 4.625%
HK$120,319
+HK$6,025/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$228,588/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,716
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$117,254
−HK$3,594/mo
Today · 4.125%
HK$120,848
baseline
▲ 0.50% · 4.625%
HK$128,201
+HK$7,353/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$241,696/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,508
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$129,901
−HK$3,442/mo
Today · 4.125%
HK$133,343
baseline
▲ 0.50% · 4.625%
HK$140,372
+HK$7,029/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$266,686/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,207
−HK$9,168/mo
▼ 0.25% · 3.875%
HK$150,755
−HK$4,620/mo
Today · 4.125%
HK$155,375
baseline
▲ 0.50% · 4.625%
HK$164,830
+HK$9,455/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$310,750/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,513,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,654
−HK$8,787/mo
▼ 0.25% · 3.875%
HK$167,016
−HK$4,425/mo
Today · 4.125%
HK$171,441
baseline
▲ 0.50% · 4.625%
HK$180,478
+HK$9,037/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$342,882/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,513,913 · Scale 2, in force from 26 Feb 2026)