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$81,141
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,665
−HK$2,564/mo
Today · 4.125%
HK$86,229
baseline
▲ 0.50% · 4.625%
HK$91,476
+HK$5,247/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$172,458/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,512,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,269
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,690
−HK$2,456/mo
Today · 4.125%
HK$95,146
baseline
▲ 0.50% · 4.625%
HK$100,161
+HK$5,015/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$190,292/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,512,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,369
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,398
−HK$3,077/mo
Today · 4.125%
HK$103,475
baseline
▲ 0.50% · 4.625%
HK$109,772
+HK$6,297/mo
Deposit HK$14.23M · loan HK$21.35M · min. income ≈ HK$206,950/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,322
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,228
−HK$2,947/mo
Today · 4.125%
HK$114,175
baseline
▲ 0.50% · 4.625%
HK$120,193
+HK$6,018/mo
Deposit HK$14.23M · loan HK$21.35M · min. income ≈ HK$228,350/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,598
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$117,131
−HK$3,590/mo
Today · 4.125%
HK$120,721
baseline
▲ 0.50% · 4.625%
HK$128,067
+HK$7,346/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$241,442/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,376
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$129,766
−HK$3,438/mo
Today · 4.125%
HK$133,204
baseline
▲ 0.50% · 4.625%
HK$140,225
+HK$7,021/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$266,408/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,054
−HK$9,159/mo
▼ 0.25% · 3.875%
HK$150,597
−HK$4,616/mo
Today · 4.125%
HK$155,213
baseline
▲ 0.50% · 4.625%
HK$164,657
+HK$9,444/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$310,426/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,484
−HK$8,778/mo
▼ 0.25% · 3.875%
HK$166,841
−HK$4,421/mo
Today · 4.125%
HK$171,262
baseline
▲ 0.50% · 4.625%
HK$180,290
+HK$9,028/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$342,524/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,330 · Scale 2, in force from 26 Feb 2026)