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$81,202
−HK$5,092/mo
▼ 0.25% · 3.875%
HK$83,728
−HK$2,566/mo
Today · 4.125%
HK$86,294
baseline
▲ 0.50% · 4.625%
HK$91,545
+HK$5,251/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$172,588/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,337
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,759
−HK$2,458/mo
Today · 4.125%
HK$95,217
baseline
▲ 0.50% · 4.625%
HK$100,236
+HK$5,019/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$190,434/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,443
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,474
−HK$3,079/mo
Today · 4.125%
HK$103,553
baseline
▲ 0.50% · 4.625%
HK$109,854
+HK$6,301/mo
Deposit HK$14.24M · loan HK$21.37M · min. income ≈ HK$207,106/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,404
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,311
−HK$2,950/mo
Today · 4.125%
HK$114,261
baseline
▲ 0.50% · 4.625%
HK$120,284
+HK$6,023/mo
Deposit HK$14.24M · loan HK$21.37M · min. income ≈ HK$228,522/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,683
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,219
−HK$3,593/mo
Today · 4.125%
HK$120,812
baseline
▲ 0.50% · 4.625%
HK$128,163
+HK$7,351/mo
Deposit HK$10.68M · loan HK$24.93M · min. income ≈ HK$241,624/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,471
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,863
−HK$3,441/mo
Today · 4.125%
HK$133,304
baseline
▲ 0.50% · 4.625%
HK$140,331
+HK$7,027/mo
Deposit HK$10.68M · loan HK$24.93M · min. income ≈ HK$266,608/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,164
−HK$9,166/mo
▼ 0.25% · 3.875%
HK$150,711
−HK$4,619/mo
Today · 4.125%
HK$155,330
baseline
▲ 0.50% · 4.625%
HK$164,781
+HK$9,451/mo
Deposit HK$3.56M · loan HK$32.05M · min. income ≈ HK$310,660/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,513,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,606
−HK$8,785/mo
▼ 0.25% · 3.875%
HK$166,967
−HK$4,424/mo
Today · 4.125%
HK$171,391
baseline
▲ 0.50% · 4.625%
HK$180,425
+HK$9,034/mo
Deposit HK$3.56M · loan HK$32.05M · min. income ≈ HK$342,782/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,513,468 · Scale 2, in force from 26 Feb 2026)