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$81,006
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,526
−HK$2,560/mo
Today · 4.125%
HK$86,086
baseline
▲ 0.50% · 4.625%
HK$91,324
+HK$5,238/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$172,172/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,118
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,535
−HK$2,452/mo
Today · 4.125%
HK$94,987
baseline
▲ 0.50% · 4.625%
HK$99,994
+HK$5,007/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$189,974/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,207
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,231
−HK$3,072/mo
Today · 4.125%
HK$103,303
baseline
▲ 0.50% · 4.625%
HK$109,588
+HK$6,285/mo
Deposit HK$14.21M · loan HK$21.31M · min. income ≈ HK$206,606/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,142
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$111,042
−HK$2,942/mo
Today · 4.125%
HK$113,984
baseline
▲ 0.50% · 4.625%
HK$119,993
+HK$6,009/mo
Deposit HK$14.21M · loan HK$21.31M · min. income ≈ HK$227,968/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,408
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$116,936
−HK$3,584/mo
Today · 4.125%
HK$120,520
baseline
▲ 0.50% · 4.625%
HK$127,853
+HK$7,333/mo
Deposit HK$10.66M · loan HK$24.87M · min. income ≈ HK$241,040/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,165
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$129,549
−HK$3,433/mo
Today · 4.125%
HK$132,982
baseline
▲ 0.50% · 4.625%
HK$139,991
+HK$7,009/mo
Deposit HK$10.66M · loan HK$24.87M · min. income ≈ HK$265,964/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,810
−HK$9,144/mo
▼ 0.25% · 3.875%
HK$150,346
−HK$4,608/mo
Today · 4.125%
HK$154,954
baseline
▲ 0.50% · 4.625%
HK$164,383
+HK$9,429/mo
Deposit HK$3.55M · loan HK$31.97M · min. income ≈ HK$309,908/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,213
−HK$8,764/mo
▼ 0.25% · 3.875%
HK$166,563
−HK$4,414/mo
Today · 4.125%
HK$170,977
baseline
▲ 0.50% · 4.625%
HK$179,989
+HK$9,012/mo
Deposit HK$3.55M · loan HK$31.97M · min. income ≈ HK$341,954/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,807 · Scale 2, in force from 26 Feb 2026)