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$81,011
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,531
−HK$2,560/mo
Today · 4.125%
HK$86,091
baseline
▲ 0.50% · 4.625%
HK$91,329
+HK$5,238/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$172,182/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,124
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,541
−HK$2,452/mo
Today · 4.125%
HK$94,993
baseline
▲ 0.50% · 4.625%
HK$100,000
+HK$5,007/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$189,986/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,213
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,237
−HK$3,072/mo
Today · 4.125%
HK$103,309
baseline
▲ 0.50% · 4.625%
HK$109,595
+HK$6,286/mo
Deposit HK$14.21M · loan HK$21.32M · min. income ≈ HK$206,618/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,149
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$111,049
−HK$2,942/mo
Today · 4.125%
HK$113,991
baseline
▲ 0.50% · 4.625%
HK$120,000
+HK$6,009/mo
Deposit HK$14.21M · loan HK$21.32M · min. income ≈ HK$227,982/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,415
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$116,943
−HK$3,584/mo
Today · 4.125%
HK$120,527
baseline
▲ 0.50% · 4.625%
HK$127,861
+HK$7,334/mo
Deposit HK$10.66M · loan HK$24.87M · min. income ≈ HK$241,054/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,509,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,173
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$129,557
−HK$3,433/mo
Today · 4.125%
HK$132,990
baseline
▲ 0.50% · 4.625%
HK$140,000
+HK$7,010/mo
Deposit HK$10.66M · loan HK$24.87M · min. income ≈ HK$265,980/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,509,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,820
−HK$9,144/mo
▼ 0.25% · 3.875%
HK$150,355
−HK$4,609/mo
Today · 4.125%
HK$154,964
baseline
▲ 0.50% · 4.625%
HK$164,393
+HK$9,429/mo
Deposit HK$3.55M · loan HK$31.97M · min. income ≈ HK$309,928/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,223
−HK$8,764/mo
▼ 0.25% · 3.875%
HK$166,574
−HK$4,413/mo
Today · 4.125%
HK$170,987
baseline
▲ 0.50% · 4.625%
HK$180,000
+HK$9,013/mo
Deposit HK$3.55M · loan HK$31.97M · min. income ≈ HK$341,974/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,901 · Scale 2, in force from 26 Feb 2026)