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$81,237
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,764
−HK$2,567/mo
Today · 4.125%
HK$86,331
baseline
▲ 0.50% · 4.625%
HK$91,584
+HK$5,253/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$172,662/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,375
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,799
−HK$2,459/mo
Today · 4.125%
HK$95,258
baseline
▲ 0.50% · 4.625%
HK$100,279
+HK$5,021/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$190,516/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,484
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,517
−HK$3,080/mo
Today · 4.125%
HK$103,597
baseline
▲ 0.50% · 4.625%
HK$109,901
+HK$6,304/mo
Deposit HK$14.25M · loan HK$21.38M · min. income ≈ HK$207,194/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,514,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,450
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,359
−HK$2,950/mo
Today · 4.125%
HK$114,309
baseline
▲ 0.50% · 4.625%
HK$120,335
+HK$6,026/mo
Deposit HK$14.25M · loan HK$21.38M · min. income ≈ HK$228,618/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,514,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,732
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$117,269
−HK$3,595/mo
Today · 4.125%
HK$120,864
baseline
▲ 0.50% · 4.625%
HK$128,218
+HK$7,354/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$241,728/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,514,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,525
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$129,919
−HK$3,442/mo
Today · 4.125%
HK$133,361
baseline
▲ 0.50% · 4.625%
HK$140,391
+HK$7,030/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$266,722/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,514,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,226
−HK$9,170/mo
▼ 0.25% · 3.875%
HK$150,775
−HK$4,621/mo
Today · 4.125%
HK$155,396
baseline
▲ 0.50% · 4.625%
HK$164,851
+HK$9,455/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$310,792/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,675
−HK$8,789/mo
▼ 0.25% · 3.875%
HK$167,038
−HK$4,426/mo
Today · 4.125%
HK$171,464
baseline
▲ 0.50% · 4.625%
HK$180,502
+HK$9,038/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$342,928/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,113 · Scale 2, in force from 26 Feb 2026)