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$81,269
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,797
−HK$2,569/mo
Today · 4.125%
HK$86,366
baseline
▲ 0.50% · 4.625%
HK$91,621
+HK$5,255/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,732/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,411
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$92,836
−HK$2,460/mo
Today · 4.125%
HK$95,296
baseline
▲ 0.50% · 4.625%
HK$100,319
+HK$5,023/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,592/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,523
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,557
−HK$3,082/mo
Today · 4.125%
HK$103,639
baseline
▲ 0.50% · 4.625%
HK$109,945
+HK$6,306/mo
Deposit HK$14.26M · loan HK$21.38M · min. income ≈ HK$207,278/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,494
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,403
−HK$2,952/mo
Today · 4.125%
HK$114,355
baseline
▲ 0.50% · 4.625%
HK$120,383
+HK$6,028/mo
Deposit HK$14.26M · loan HK$21.38M · min. income ≈ HK$228,710/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,777
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$117,316
−HK$3,596/mo
Today · 4.125%
HK$120,912
baseline
▲ 0.50% · 4.625%
HK$128,269
+HK$7,357/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$241,824/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,576
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,970
−HK$3,444/mo
Today · 4.125%
HK$133,414
baseline
▲ 0.50% · 4.625%
HK$140,447
+HK$7,033/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$266,828/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,285
−HK$9,173/mo
▼ 0.25% · 3.875%
HK$150,835
−HK$4,623/mo
Today · 4.125%
HK$155,458
baseline
▲ 0.50% · 4.625%
HK$164,917
+HK$9,459/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$310,916/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,740
−HK$8,793/mo
▼ 0.25% · 3.875%
HK$167,105
−HK$4,428/mo
Today · 4.125%
HK$171,533
baseline
▲ 0.50% · 4.625%
HK$180,574
+HK$9,041/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$343,066/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,718 · Scale 2, in force from 26 Feb 2026)