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$81,365
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,896
−HK$2,572/mo
Today · 4.125%
HK$86,468
baseline
▲ 0.50% · 4.625%
HK$91,729
+HK$5,261/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$172,936/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,518
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,946
−HK$2,462/mo
Today · 4.125%
HK$95,408
baseline
▲ 0.50% · 4.625%
HK$100,438
+HK$5,030/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$190,816/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,638
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,675
−HK$3,086/mo
Today · 4.125%
HK$103,761
baseline
▲ 0.50% · 4.625%
HK$110,075
+HK$6,314/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$207,522/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,622
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,535
−HK$2,955/mo
Today · 4.125%
HK$114,490
baseline
▲ 0.50% · 4.625%
HK$120,525
+HK$6,035/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$228,980/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,911
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$117,455
−HK$3,600/mo
Today · 4.125%
HK$121,055
baseline
▲ 0.50% · 4.625%
HK$128,420
+HK$7,365/mo
Deposit HK$10.70M · loan HK$24.98M · min. income ≈ HK$242,110/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,725
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$130,124
−HK$3,448/mo
Today · 4.125%
HK$133,572
baseline
▲ 0.50% · 4.625%
HK$140,613
+HK$7,041/mo
Deposit HK$10.70M · loan HK$24.98M · min. income ≈ HK$267,144/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,457
−HK$9,185/mo
▼ 0.25% · 3.875%
HK$151,013
−HK$4,629/mo
Today · 4.125%
HK$155,642
baseline
▲ 0.50% · 4.625%
HK$165,112
+HK$9,470/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$311,284/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,932
−HK$8,803/mo
▼ 0.25% · 3.875%
HK$167,302
−HK$4,433/mo
Today · 4.125%
HK$171,735
baseline
▲ 0.50% · 4.625%
HK$180,788
+HK$9,053/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$343,470/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,506 · Scale 2, in force from 26 Feb 2026)