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$81,381
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,912
−HK$2,572/mo
Today · 4.125%
HK$86,484
baseline
▲ 0.50% · 4.625%
HK$91,747
+HK$5,263/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$172,968/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,536
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,964
−HK$2,463/mo
Today · 4.125%
HK$95,427
baseline
▲ 0.50% · 4.625%
HK$100,457
+HK$5,030/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$190,854/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,657
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,695
−HK$3,086/mo
Today · 4.125%
HK$103,781
baseline
▲ 0.50% · 4.625%
HK$110,096
+HK$6,315/mo
Deposit HK$14.28M · loan HK$21.41M · min. income ≈ HK$207,562/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,643
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,556
−HK$2,956/mo
Today · 4.125%
HK$114,512
baseline
▲ 0.50% · 4.625%
HK$120,548
+HK$6,036/mo
Deposit HK$14.28M · loan HK$21.41M · min. income ≈ HK$229,024/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,933
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$117,477
−HK$3,601/mo
Today · 4.125%
HK$121,078
baseline
▲ 0.50% · 4.625%
HK$128,445
+HK$7,367/mo
Deposit HK$10.71M · loan HK$24.98M · min. income ≈ HK$242,156/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,750
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,149
−HK$3,449/mo
Today · 4.125%
HK$133,598
baseline
▲ 0.50% · 4.625%
HK$140,640
+HK$7,042/mo
Deposit HK$10.71M · loan HK$24.98M · min. income ≈ HK$267,196/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,486
−HK$9,186/mo
▼ 0.25% · 3.875%
HK$151,042
−HK$4,630/mo
Today · 4.125%
HK$155,672
baseline
▲ 0.50% · 4.625%
HK$165,144
+HK$9,472/mo
Deposit HK$3.57M · loan HK$32.12M · min. income ≈ HK$311,344/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,516,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,964
−HK$8,804/mo
▼ 0.25% · 3.875%
HK$167,335
−HK$4,433/mo
Today · 4.125%
HK$171,768
baseline
▲ 0.50% · 4.625%
HK$180,823
+HK$9,055/mo
Deposit HK$3.57M · loan HK$32.12M · min. income ≈ HK$343,536/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,516,800 · Scale 2, in force from 26 Feb 2026)