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$81,148
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,672
−HK$2,565/mo
Today · 4.125%
HK$86,237
baseline
▲ 0.50% · 4.625%
HK$91,484
+HK$5,247/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$172,474/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,512,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,276
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,698
−HK$2,456/mo
Today · 4.125%
HK$95,154
baseline
▲ 0.50% · 4.625%
HK$100,170
+HK$5,016/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$190,308/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,512,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,378
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,407
−HK$3,077/mo
Today · 4.125%
HK$103,484
baseline
▲ 0.50% · 4.625%
HK$109,781
+HK$6,297/mo
Deposit HK$14.23M · loan HK$21.35M · min. income ≈ HK$206,968/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,332
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,237
−HK$2,948/mo
Today · 4.125%
HK$114,185
baseline
▲ 0.50% · 4.625%
HK$120,203
+HK$6,018/mo
Deposit HK$14.23M · loan HK$21.35M · min. income ≈ HK$228,370/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,607
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$117,141
−HK$3,591/mo
Today · 4.125%
HK$120,732
baseline
▲ 0.50% · 4.625%
HK$128,078
+HK$7,346/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$241,464/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,387
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$129,777
−HK$3,438/mo
Today · 4.125%
HK$133,215
baseline
▲ 0.50% · 4.625%
HK$140,237
+HK$7,022/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$266,430/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,067
−HK$9,159/mo
▼ 0.25% · 3.875%
HK$150,610
−HK$4,616/mo
Today · 4.125%
HK$155,226
baseline
▲ 0.50% · 4.625%
HK$164,671
+HK$9,445/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$310,452/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,498
−HK$8,779/mo
▼ 0.25% · 3.875%
HK$166,856
−HK$4,421/mo
Today · 4.125%
HK$171,277
baseline
▲ 0.50% · 4.625%
HK$180,305
+HK$9,028/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$342,554/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,460 · Scale 2, in force from 26 Feb 2026)