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$81,025
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,546
−HK$2,560/mo
Today · 4.125%
HK$86,106
baseline
▲ 0.50% · 4.625%
HK$91,346
+HK$5,240/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$172,212/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,140
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,557
−HK$2,453/mo
Today · 4.125%
HK$95,010
baseline
▲ 0.50% · 4.625%
HK$100,018
+HK$5,008/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$190,020/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,230
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,255
−HK$3,073/mo
Today · 4.125%
HK$103,328
baseline
▲ 0.50% · 4.625%
HK$109,615
+HK$6,287/mo
Deposit HK$14.21M · loan HK$21.32M · min. income ≈ HK$206,656/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,510,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,168
−HK$5,844/mo
▼ 0.25% · 3.875%
HK$111,069
−HK$2,943/mo
Today · 4.125%
HK$114,012
baseline
▲ 0.50% · 4.625%
HK$120,022
+HK$6,010/mo
Deposit HK$14.21M · loan HK$21.32M · min. income ≈ HK$228,024/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,510,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,436
−HK$7,113/mo
▼ 0.25% · 3.875%
HK$116,964
−HK$3,585/mo
Today · 4.125%
HK$120,549
baseline
▲ 0.50% · 4.625%
HK$127,884
+HK$7,335/mo
Deposit HK$10.66M · loan HK$24.87M · min. income ≈ HK$241,098/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,196
−HK$6,818/mo
▼ 0.25% · 3.875%
HK$129,580
−HK$3,434/mo
Today · 4.125%
HK$133,014
baseline
▲ 0.50% · 4.625%
HK$140,025
+HK$7,011/mo
Deposit HK$10.66M · loan HK$24.87M · min. income ≈ HK$266,028/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,846
−HK$9,146/mo
▼ 0.25% · 3.875%
HK$150,382
−HK$4,610/mo
Today · 4.125%
HK$154,992
baseline
▲ 0.50% · 4.625%
HK$164,422
+HK$9,430/mo
Deposit HK$3.55M · loan HK$31.98M · min. income ≈ HK$309,984/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,510,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,252
−HK$8,766/mo
▼ 0.25% · 3.875%
HK$166,603
−HK$4,415/mo
Today · 4.125%
HK$171,018
baseline
▲ 0.50% · 4.625%
HK$180,032
+HK$9,014/mo
Deposit HK$3.55M · loan HK$31.98M · min. income ≈ HK$342,036/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,510,173 · Scale 2, in force from 26 Feb 2026)