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$81,343
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,873
−HK$2,571/mo
Today · 4.125%
HK$86,444
baseline
▲ 0.50% · 4.625%
HK$91,703
+HK$5,259/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$172,888/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,516,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,493
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,920
−HK$2,462/mo
Today · 4.125%
HK$95,382
baseline
▲ 0.50% · 4.625%
HK$100,410
+HK$5,028/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$190,764/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,516,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,611
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,647
−HK$3,085/mo
Today · 4.125%
HK$103,732
baseline
▲ 0.50% · 4.625%
HK$110,044
+HK$6,312/mo
Deposit HK$14.27M · loan HK$21.40M · min. income ≈ HK$207,464/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,591
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,504
−HK$2,954/mo
Today · 4.125%
HK$114,458
baseline
▲ 0.50% · 4.625%
HK$120,492
+HK$6,034/mo
Deposit HK$14.27M · loan HK$21.40M · min. income ≈ HK$228,916/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,880
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$117,422
−HK$3,599/mo
Today · 4.125%
HK$121,021
baseline
▲ 0.50% · 4.625%
HK$128,385
+HK$7,364/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$242,042/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,690
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$130,088
−HK$3,447/mo
Today · 4.125%
HK$133,535
baseline
▲ 0.50% · 4.625%
HK$140,574
+HK$7,039/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$267,070/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,417
−HK$9,181/mo
▼ 0.25% · 3.875%
HK$150,971
−HK$4,627/mo
Today · 4.125%
HK$155,598
baseline
▲ 0.50% · 4.625%
HK$165,066
+HK$9,468/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$311,196/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,887
−HK$8,801/mo
▼ 0.25% · 3.875%
HK$167,256
−HK$4,432/mo
Today · 4.125%
HK$171,688
baseline
▲ 0.50% · 4.625%
HK$180,737
+HK$9,049/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$343,376/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,086 · Scale 2, in force from 26 Feb 2026)