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$81,258
−HK$5,096/mo
▼ 0.25% · 3.875%
HK$83,786
−HK$2,568/mo
Today · 4.125%
HK$86,354
baseline
▲ 0.50% · 4.625%
HK$91,608
+HK$5,254/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,708/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,399
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,824
−HK$2,459/mo
Today · 4.125%
HK$95,283
baseline
▲ 0.50% · 4.625%
HK$100,306
+HK$5,023/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,566/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,510
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,543
−HK$3,082/mo
Today · 4.125%
HK$103,625
baseline
▲ 0.50% · 4.625%
HK$109,930
+HK$6,305/mo
Deposit HK$14.25M · loan HK$21.38M · min. income ≈ HK$207,250/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,479
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,388
−HK$2,952/mo
Today · 4.125%
HK$114,340
baseline
▲ 0.50% · 4.625%
HK$120,367
+HK$6,027/mo
Deposit HK$14.25M · loan HK$21.38M · min. income ≈ HK$228,680/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,762
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$117,300
−HK$3,596/mo
Today · 4.125%
HK$120,896
baseline
▲ 0.50% · 4.625%
HK$128,252
+HK$7,356/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$241,792/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,559
−HK$6,837/mo
▼ 0.25% · 3.875%
HK$129,953
−HK$3,443/mo
Today · 4.125%
HK$133,396
baseline
▲ 0.50% · 4.625%
HK$140,428
+HK$7,032/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$266,792/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,514,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,265
−HK$9,172/mo
▼ 0.25% · 3.875%
HK$150,815
−HK$4,622/mo
Today · 4.125%
HK$155,437
baseline
▲ 0.50% · 4.625%
HK$164,895
+HK$9,458/mo
Deposit HK$3.56M · loan HK$32.07M · min. income ≈ HK$310,874/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,718
−HK$8,792/mo
▼ 0.25% · 3.875%
HK$167,082
−HK$4,428/mo
Today · 4.125%
HK$171,510
baseline
▲ 0.50% · 4.625%
HK$180,550
+HK$9,040/mo
Deposit HK$3.56M · loan HK$32.07M · min. income ≈ HK$343,020/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,515 · Scale 2, in force from 26 Feb 2026)