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$81,348
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,879
−HK$2,571/mo
Today · 4.125%
HK$86,450
baseline
▲ 0.50% · 4.625%
HK$91,710
+HK$5,260/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$172,900/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,516,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,499
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,927
−HK$2,462/mo
Today · 4.125%
HK$95,389
baseline
▲ 0.50% · 4.625%
HK$100,417
+HK$5,028/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$190,778/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,516,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,618
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,655
−HK$3,085/mo
Today · 4.125%
HK$103,740
baseline
▲ 0.50% · 4.625%
HK$110,052
+HK$6,312/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$207,480/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,599
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,512
−HK$2,955/mo
Today · 4.125%
HK$114,467
baseline
▲ 0.50% · 4.625%
HK$120,500
+HK$6,033/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$228,934/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,888
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,430
−HK$3,600/mo
Today · 4.125%
HK$121,030
baseline
▲ 0.50% · 4.625%
HK$128,394
+HK$7,364/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$242,060/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,699
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$130,097
−HK$3,447/mo
Today · 4.125%
HK$133,544
baseline
▲ 0.50% · 4.625%
HK$140,584
+HK$7,040/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$267,088/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,427
−HK$9,183/mo
▼ 0.25% · 3.875%
HK$150,982
−HK$4,628/mo
Today · 4.125%
HK$155,610
baseline
▲ 0.50% · 4.625%
HK$165,078
+HK$9,468/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$311,220/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,899
−HK$8,801/mo
▼ 0.25% · 3.875%
HK$167,268
−HK$4,432/mo
Today · 4.125%
HK$171,700
baseline
▲ 0.50% · 4.625%
HK$180,750
+HK$9,050/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$343,400/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,194 · Scale 2, in force from 26 Feb 2026)