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$81,217
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,743
−HK$2,567/mo
Today · 4.125%
HK$86,310
baseline
▲ 0.50% · 4.625%
HK$91,562
+HK$5,252/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$172,620/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,353
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,776
−HK$2,459/mo
Today · 4.125%
HK$95,235
baseline
▲ 0.50% · 4.625%
HK$100,255
+HK$5,020/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$190,470/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,460
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,492
−HK$3,080/mo
Today · 4.125%
HK$103,572
baseline
▲ 0.50% · 4.625%
HK$109,874
+HK$6,302/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$207,144/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,424
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,332
−HK$2,950/mo
Today · 4.125%
HK$114,282
baseline
▲ 0.50% · 4.625%
HK$120,305
+HK$6,023/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$228,564/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,704
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$117,241
−HK$3,593/mo
Today · 4.125%
HK$120,834
baseline
▲ 0.50% · 4.625%
HK$128,187
+HK$7,353/mo
Deposit HK$10.69M · loan HK$24.93M · min. income ≈ HK$241,668/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,494
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$129,887
−HK$3,441/mo
Today · 4.125%
HK$133,328
baseline
▲ 0.50% · 4.625%
HK$140,356
+HK$7,028/mo
Deposit HK$10.69M · loan HK$24.93M · min. income ≈ HK$266,656/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,191
−HK$9,167/mo
▼ 0.25% · 3.875%
HK$150,738
−HK$4,620/mo
Today · 4.125%
HK$155,358
baseline
▲ 0.50% · 4.625%
HK$164,811
+HK$9,453/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$310,716/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,513,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,636
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$166,997
−HK$4,425/mo
Today · 4.125%
HK$171,422
baseline
▲ 0.50% · 4.625%
HK$180,458
+HK$9,036/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$342,844/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,513,744 · Scale 2, in force from 26 Feb 2026)