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$81,285
−HK$5,097/mo
▼ 0.25% · 3.875%
HK$83,813
−HK$2,569/mo
Today · 4.125%
HK$86,382
baseline
▲ 0.50% · 4.625%
HK$91,638
+HK$5,256/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,764/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,515,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,428
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$92,854
−HK$2,460/mo
Today · 4.125%
HK$95,314
baseline
▲ 0.50% · 4.625%
HK$100,338
+HK$5,024/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,628/mo (50% DSR)
Upfront cash ≈ HK$19.34M (deposit + AVD stamp duty HK$1,515,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,542
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$100,576
−HK$3,082/mo
Today · 4.125%
HK$103,658
baseline
▲ 0.50% · 4.625%
HK$109,966
+HK$6,308/mo
Deposit HK$14.26M · loan HK$21.39M · min. income ≈ HK$207,316/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,515,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,514
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,424
−HK$2,953/mo
Today · 4.125%
HK$114,377
baseline
▲ 0.50% · 4.625%
HK$120,406
+HK$6,029/mo
Deposit HK$14.26M · loan HK$21.39M · min. income ≈ HK$228,754/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,515,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,798
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$117,338
−HK$3,597/mo
Today · 4.125%
HK$120,935
baseline
▲ 0.50% · 4.625%
HK$128,293
+HK$7,358/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$241,870/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,515,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,600
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$129,995
−HK$3,444/mo
Today · 4.125%
HK$133,439
baseline
▲ 0.50% · 4.625%
HK$140,473
+HK$7,034/mo
Deposit HK$10.69M · loan HK$24.95M · min. income ≈ HK$266,878/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,515,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,312
−HK$9,175/mo
▼ 0.25% · 3.875%
HK$150,863
−HK$4,624/mo
Today · 4.125%
HK$155,487
baseline
▲ 0.50% · 4.625%
HK$164,948
+HK$9,461/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$310,974/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,771
−HK$8,794/mo
▼ 0.25% · 3.875%
HK$167,136
−HK$4,429/mo
Today · 4.125%
HK$171,565
baseline
▲ 0.50% · 4.625%
HK$180,608
+HK$9,043/mo
Deposit HK$3.56M · loan HK$32.08M · min. income ≈ HK$343,130/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,515,004 · Scale 2, in force from 26 Feb 2026)