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$81,372
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,904
−HK$2,571/mo
Today · 4.125%
HK$86,475
baseline
▲ 0.50% · 4.625%
HK$91,737
+HK$5,262/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$172,950/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,526
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,954
−HK$2,463/mo
Today · 4.125%
HK$95,417
baseline
▲ 0.50% · 4.625%
HK$100,446
+HK$5,029/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$190,834/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,647
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,684
−HK$3,086/mo
Today · 4.125%
HK$103,770
baseline
▲ 0.50% · 4.625%
HK$110,084
+HK$6,314/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$207,540/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,631
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,545
−HK$2,955/mo
Today · 4.125%
HK$114,500
baseline
▲ 0.50% · 4.625%
HK$120,536
+HK$6,036/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$229,000/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,921
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$117,465
−HK$3,600/mo
Today · 4.125%
HK$121,065
baseline
▲ 0.50% · 4.625%
HK$128,432
+HK$7,367/mo
Deposit HK$10.71M · loan HK$24.98M · min. income ≈ HK$242,130/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,736
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$130,135
−HK$3,448/mo
Today · 4.125%
HK$133,583
baseline
▲ 0.50% · 4.625%
HK$140,625
+HK$7,042/mo
Deposit HK$10.71M · loan HK$24.98M · min. income ≈ HK$267,166/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,470
−HK$9,185/mo
▼ 0.25% · 3.875%
HK$151,026
−HK$4,629/mo
Today · 4.125%
HK$155,655
baseline
▲ 0.50% · 4.625%
HK$165,126
+HK$9,471/mo
Deposit HK$3.57M · loan HK$32.12M · min. income ≈ HK$311,310/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,516,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,947
−HK$8,803/mo
▼ 0.25% · 3.875%
HK$167,317
−HK$4,433/mo
Today · 4.125%
HK$171,750
baseline
▲ 0.50% · 4.625%
HK$180,803
+HK$9,053/mo
Deposit HK$3.57M · loan HK$32.12M · min. income ≈ HK$343,500/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,516,639 · Scale 2, in force from 26 Feb 2026)