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$81,147
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,671
−HK$2,564/mo
Today · 4.125%
HK$86,235
baseline
▲ 0.50% · 4.625%
HK$91,483
+HK$5,248/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$172,470/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,512,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,275
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,696
−HK$2,456/mo
Today · 4.125%
HK$95,152
baseline
▲ 0.50% · 4.625%
HK$100,168
+HK$5,016/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$190,304/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,512,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,376
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,405
−HK$3,078/mo
Today · 4.125%
HK$103,483
baseline
▲ 0.50% · 4.625%
HK$109,779
+HK$6,296/mo
Deposit HK$14.23M · loan HK$21.35M · min. income ≈ HK$206,966/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,330
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,235
−HK$2,948/mo
Today · 4.125%
HK$114,183
baseline
▲ 0.50% · 4.625%
HK$120,202
+HK$6,019/mo
Deposit HK$14.23M · loan HK$21.35M · min. income ≈ HK$228,366/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,606
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$117,139
−HK$3,591/mo
Today · 4.125%
HK$120,730
baseline
▲ 0.50% · 4.625%
HK$128,076
+HK$7,346/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$241,460/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,385
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$129,775
−HK$3,438/mo
Today · 4.125%
HK$133,213
baseline
▲ 0.50% · 4.625%
HK$140,235
+HK$7,022/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$266,426/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,064
−HK$9,160/mo
▼ 0.25% · 3.875%
HK$150,608
−HK$4,616/mo
Today · 4.125%
HK$155,224
baseline
▲ 0.50% · 4.625%
HK$164,669
+HK$9,445/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$310,448/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,495
−HK$8,779/mo
▼ 0.25% · 3.875%
HK$166,853
−HK$4,421/mo
Today · 4.125%
HK$171,274
baseline
▲ 0.50% · 4.625%
HK$180,302
+HK$9,028/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$342,548/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,436 · Scale 2, in force from 26 Feb 2026)