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$81,208
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,734
−HK$2,567/mo
Today · 4.125%
HK$86,301
baseline
▲ 0.50% · 4.625%
HK$91,552
+HK$5,251/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$172,602/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,343
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$92,766
−HK$2,458/mo
Today · 4.125%
HK$95,224
baseline
▲ 0.50% · 4.625%
HK$100,244
+HK$5,020/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$190,448/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,450
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,481
−HK$3,080/mo
Today · 4.125%
HK$103,561
baseline
▲ 0.50% · 4.625%
HK$109,862
+HK$6,301/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$207,122/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,412
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,320
−HK$2,949/mo
Today · 4.125%
HK$114,269
baseline
▲ 0.50% · 4.625%
HK$120,292
+HK$6,023/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$228,538/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,691
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$117,228
−HK$3,593/mo
Today · 4.125%
HK$120,821
baseline
▲ 0.50% · 4.625%
HK$128,173
+HK$7,352/mo
Deposit HK$10.68M · loan HK$24.93M · min. income ≈ HK$241,642/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,481
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,873
−HK$3,441/mo
Today · 4.125%
HK$133,314
baseline
▲ 0.50% · 4.625%
HK$140,341
+HK$7,027/mo
Deposit HK$10.68M · loan HK$24.93M · min. income ≈ HK$266,628/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,175
−HK$9,166/mo
▼ 0.25% · 3.875%
HK$150,722
−HK$4,619/mo
Today · 4.125%
HK$155,341
baseline
▲ 0.50% · 4.625%
HK$164,793
+HK$9,452/mo
Deposit HK$3.56M · loan HK$32.05M · min. income ≈ HK$310,682/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,513,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,618
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$166,979
−HK$4,425/mo
Today · 4.125%
HK$171,404
baseline
▲ 0.50% · 4.625%
HK$180,439
+HK$9,035/mo
Deposit HK$3.56M · loan HK$32.05M · min. income ≈ HK$342,808/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,513,579 · Scale 2, in force from 26 Feb 2026)