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$81,153
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,677
−HK$2,565/mo
Today · 4.125%
HK$86,242
baseline
▲ 0.50% · 4.625%
HK$91,489
+HK$5,247/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$172,484/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,512,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,282
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,703
−HK$2,456/mo
Today · 4.125%
HK$95,159
baseline
▲ 0.50% · 4.625%
HK$100,175
+HK$5,016/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$190,318/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,512,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,383
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,413
−HK$3,077/mo
Today · 4.125%
HK$103,490
baseline
▲ 0.50% · 4.625%
HK$109,787
+HK$6,297/mo
Deposit HK$14.24M · loan HK$21.35M · min. income ≈ HK$206,980/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,338
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,244
−HK$2,947/mo
Today · 4.125%
HK$114,191
baseline
▲ 0.50% · 4.625%
HK$120,210
+HK$6,019/mo
Deposit HK$14.24M · loan HK$21.35M · min. income ≈ HK$228,382/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,614
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$117,148
−HK$3,591/mo
Today · 4.125%
HK$120,739
baseline
▲ 0.50% · 4.625%
HK$128,085
+HK$7,346/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$241,478/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,394
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$129,784
−HK$3,439/mo
Today · 4.125%
HK$133,223
baseline
▲ 0.50% · 4.625%
HK$140,245
+HK$7,022/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$266,446/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,075
−HK$9,160/mo
▼ 0.25% · 3.875%
HK$150,619
−HK$4,616/mo
Today · 4.125%
HK$155,235
baseline
▲ 0.50% · 4.625%
HK$164,681
+HK$9,446/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$310,470/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,507
−HK$8,780/mo
▼ 0.25% · 3.875%
HK$166,865
−HK$4,422/mo
Today · 4.125%
HK$171,287
baseline
▲ 0.50% · 4.625%
HK$180,316
+HK$9,029/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$342,574/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,547 · Scale 2, in force from 26 Feb 2026)