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$81,038
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,559
−HK$2,561/mo
Today · 4.125%
HK$86,120
baseline
▲ 0.50% · 4.625%
HK$91,360
+HK$5,240/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$172,240/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,154
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,572
−HK$2,453/mo
Today · 4.125%
HK$95,025
baseline
▲ 0.50% · 4.625%
HK$100,034
+HK$5,009/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$190,050/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,246
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,271
−HK$3,073/mo
Today · 4.125%
HK$103,344
baseline
▲ 0.50% · 4.625%
HK$109,632
+HK$6,288/mo
Deposit HK$14.22M · loan HK$21.32M · min. income ≈ HK$206,688/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,185
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,086
−HK$2,944/mo
Today · 4.125%
HK$114,030
baseline
▲ 0.50% · 4.625%
HK$120,040
+HK$6,010/mo
Deposit HK$14.22M · loan HK$21.32M · min. income ≈ HK$228,060/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,453
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$116,982
−HK$3,586/mo
Today · 4.125%
HK$120,568
baseline
▲ 0.50% · 4.625%
HK$127,904
+HK$7,336/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$241,136/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,216
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$129,601
−HK$3,434/mo
Today · 4.125%
HK$133,035
baseline
▲ 0.50% · 4.625%
HK$140,047
+HK$7,012/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$266,070/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,868
−HK$9,148/mo
▼ 0.25% · 3.875%
HK$150,406
−HK$4,610/mo
Today · 4.125%
HK$155,016
baseline
▲ 0.50% · 4.625%
HK$164,448
+HK$9,432/mo
Deposit HK$3.55M · loan HK$31.99M · min. income ≈ HK$310,032/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,510,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,277
−HK$8,768/mo
▼ 0.25% · 3.875%
HK$166,629
−HK$4,416/mo
Today · 4.125%
HK$171,045
baseline
▲ 0.50% · 4.625%
HK$180,061
+HK$9,016/mo
Deposit HK$3.55M · loan HK$31.99M · min. income ≈ HK$342,090/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,510,408 · Scale 2, in force from 26 Feb 2026)