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$81,041
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,562
−HK$2,561/mo
Today · 4.125%
HK$86,123
baseline
▲ 0.50% · 4.625%
HK$91,364
+HK$5,241/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$172,246/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,157
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,575
−HK$2,453/mo
Today · 4.125%
HK$95,028
baseline
▲ 0.50% · 4.625%
HK$100,037
+HK$5,009/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$190,056/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,249
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,274
−HK$3,074/mo
Today · 4.125%
HK$103,348
baseline
▲ 0.50% · 4.625%
HK$109,636
+HK$6,288/mo
Deposit HK$14.22M · loan HK$21.32M · min. income ≈ HK$206,696/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,189
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,091
−HK$2,943/mo
Today · 4.125%
HK$114,034
baseline
▲ 0.50% · 4.625%
HK$120,045
+HK$6,011/mo
Deposit HK$14.22M · loan HK$21.32M · min. income ≈ HK$228,068/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,458
−HK$7,114/mo
▼ 0.25% · 3.875%
HK$116,987
−HK$3,585/mo
Today · 4.125%
HK$120,572
baseline
▲ 0.50% · 4.625%
HK$127,909
+HK$7,337/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$241,144/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,220
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$129,606
−HK$3,434/mo
Today · 4.125%
HK$133,040
baseline
▲ 0.50% · 4.625%
HK$140,052
+HK$7,012/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$266,080/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,874
−HK$9,148/mo
▼ 0.25% · 3.875%
HK$150,412
−HK$4,610/mo
Today · 4.125%
HK$155,022
baseline
▲ 0.50% · 4.625%
HK$164,454
+HK$9,432/mo
Deposit HK$3.55M · loan HK$31.99M · min. income ≈ HK$310,044/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,510,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,283
−HK$8,768/mo
▼ 0.25% · 3.875%
HK$166,636
−HK$4,415/mo
Today · 4.125%
HK$171,051
baseline
▲ 0.50% · 4.625%
HK$180,067
+HK$9,016/mo
Deposit HK$3.55M · loan HK$31.99M · min. income ≈ HK$342,102/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,510,466 · Scale 2, in force from 26 Feb 2026)