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$81,354
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,885
−HK$2,571/mo
Today · 4.125%
HK$86,456
baseline
▲ 0.50% · 4.625%
HK$91,716
+HK$5,260/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$172,912/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,506
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,933
−HK$2,463/mo
Today · 4.125%
HK$95,396
baseline
▲ 0.50% · 4.625%
HK$100,424
+HK$5,028/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$190,792/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,625
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,662
−HK$3,085/mo
Today · 4.125%
HK$103,747
baseline
▲ 0.50% · 4.625%
HK$110,060
+HK$6,313/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$207,494/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,607
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,520
−HK$2,955/mo
Today · 4.125%
HK$114,475
baseline
▲ 0.50% · 4.625%
HK$120,509
+HK$6,034/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$228,950/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,896
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,439
−HK$3,599/mo
Today · 4.125%
HK$121,038
baseline
▲ 0.50% · 4.625%
HK$128,403
+HK$7,365/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$242,076/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,708
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$130,106
−HK$3,448/mo
Today · 4.125%
HK$133,554
baseline
▲ 0.50% · 4.625%
HK$140,594
+HK$7,040/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$267,108/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,438
−HK$9,183/mo
▼ 0.25% · 3.875%
HK$150,993
−HK$4,628/mo
Today · 4.125%
HK$155,621
baseline
▲ 0.50% · 4.625%
HK$165,090
+HK$9,469/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$311,242/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,910
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$167,280
−HK$4,432/mo
Today · 4.125%
HK$171,712
baseline
▲ 0.50% · 4.625%
HK$180,763
+HK$9,051/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$343,424/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,301 · Scale 2, in force from 26 Feb 2026)