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$81,139
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$83,663
−HK$2,564/mo
Today · 4.125%
HK$86,227
baseline
▲ 0.50% · 4.625%
HK$91,473
+HK$5,246/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$172,454/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,512,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,266
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$92,687
−HK$2,456/mo
Today · 4.125%
HK$95,143
baseline
▲ 0.50% · 4.625%
HK$100,158
+HK$5,015/mo
Deposit HK$17.79M · loan HK$17.79M · min. income ≈ HK$190,286/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,512,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,366
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,395
−HK$3,077/mo
Today · 4.125%
HK$103,472
baseline
▲ 0.50% · 4.625%
HK$109,768
+HK$6,296/mo
Deposit HK$14.23M · loan HK$21.35M · min. income ≈ HK$206,944/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,319
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,224
−HK$2,947/mo
Today · 4.125%
HK$114,171
baseline
▲ 0.50% · 4.625%
HK$120,189
+HK$6,018/mo
Deposit HK$14.23M · loan HK$21.35M · min. income ≈ HK$228,342/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,594
−HK$7,123/mo
▼ 0.25% · 3.875%
HK$117,128
−HK$3,589/mo
Today · 4.125%
HK$120,717
baseline
▲ 0.50% · 4.625%
HK$128,063
+HK$7,346/mo
Deposit HK$10.67M · loan HK$24.91M · min. income ≈ HK$241,434/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,372
−HK$6,828/mo
▼ 0.25% · 3.875%
HK$129,762
−HK$3,438/mo
Today · 4.125%
HK$133,200
baseline
▲ 0.50% · 4.625%
HK$140,221
+HK$7,021/mo
Deposit HK$10.67M · loan HK$24.91M · min. income ≈ HK$266,400/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,050
−HK$9,158/mo
▼ 0.25% · 3.875%
HK$150,593
−HK$4,615/mo
Today · 4.125%
HK$155,208
baseline
▲ 0.50% · 4.625%
HK$164,652
+HK$9,444/mo
Deposit HK$3.56M · loan HK$32.02M · min. income ≈ HK$310,416/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,479
−HK$8,778/mo
▼ 0.25% · 3.875%
HK$166,836
−HK$4,421/mo
Today · 4.125%
HK$171,257
baseline
▲ 0.50% · 4.625%
HK$180,284
+HK$9,027/mo
Deposit HK$3.56M · loan HK$32.02M · min. income ≈ HK$342,514/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,283 · Scale 2, in force from 26 Feb 2026)