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$81,031
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,551
−HK$2,561/mo
Today · 4.125%
HK$86,112
baseline
▲ 0.50% · 4.625%
HK$91,352
+HK$5,240/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$172,224/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,146
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,564
−HK$2,452/mo
Today · 4.125%
HK$95,016
baseline
▲ 0.50% · 4.625%
HK$100,025
+HK$5,009/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$190,032/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,237
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,262
−HK$3,073/mo
Today · 4.125%
HK$103,335
baseline
▲ 0.50% · 4.625%
HK$109,622
+HK$6,287/mo
Deposit HK$14.21M · loan HK$21.32M · min. income ≈ HK$206,670/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,510,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,175
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,077
−HK$2,943/mo
Today · 4.125%
HK$114,020
baseline
▲ 0.50% · 4.625%
HK$120,030
+HK$6,010/mo
Deposit HK$14.21M · loan HK$21.32M · min. income ≈ HK$228,040/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,510,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,443
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$116,972
−HK$3,585/mo
Today · 4.125%
HK$120,557
baseline
▲ 0.50% · 4.625%
HK$127,893
+HK$7,336/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$241,114/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,205
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$129,589
−HK$3,434/mo
Today · 4.125%
HK$133,023
baseline
▲ 0.50% · 4.625%
HK$140,035
+HK$7,012/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$266,046/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,856
−HK$9,146/mo
▼ 0.25% · 3.875%
HK$150,393
−HK$4,609/mo
Today · 4.125%
HK$155,002
baseline
▲ 0.50% · 4.625%
HK$164,434
+HK$9,432/mo
Deposit HK$3.55M · loan HK$31.98M · min. income ≈ HK$310,004/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,510,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,263
−HK$8,767/mo
▼ 0.25% · 3.875%
HK$166,615
−HK$4,415/mo
Today · 4.125%
HK$171,030
baseline
▲ 0.50% · 4.625%
HK$180,045
+HK$9,015/mo
Deposit HK$3.55M · loan HK$31.98M · min. income ≈ HK$342,060/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,510,276 · Scale 2, in force from 26 Feb 2026)