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$81,230
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,757
−HK$2,567/mo
Today · 4.125%
HK$86,324
baseline
▲ 0.50% · 4.625%
HK$91,577
+HK$5,253/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$172,648/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,513,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,368
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,792
−HK$2,458/mo
Today · 4.125%
HK$95,250
baseline
▲ 0.50% · 4.625%
HK$100,271
+HK$5,021/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$190,500/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,513,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,476
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,508
−HK$3,081/mo
Today · 4.125%
HK$103,589
baseline
▲ 0.50% · 4.625%
HK$109,892
+HK$6,303/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$207,178/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,441
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,350
−HK$2,950/mo
Today · 4.125%
HK$114,300
baseline
▲ 0.50% · 4.625%
HK$120,325
+HK$6,025/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$228,600/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,722
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$117,260
−HK$3,594/mo
Today · 4.125%
HK$120,854
baseline
▲ 0.50% · 4.625%
HK$128,208
+HK$7,354/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$241,708/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,515
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$129,908
−HK$3,442/mo
Today · 4.125%
HK$133,350
baseline
▲ 0.50% · 4.625%
HK$140,379
+HK$7,029/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$266,700/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,215
−HK$9,169/mo
▼ 0.25% · 3.875%
HK$150,763
−HK$4,621/mo
Today · 4.125%
HK$155,384
baseline
▲ 0.50% · 4.625%
HK$164,838
+HK$9,454/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$310,768/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,513,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,662
−HK$8,788/mo
▼ 0.25% · 3.875%
HK$167,025
−HK$4,425/mo
Today · 4.125%
HK$171,450
baseline
▲ 0.50% · 4.625%
HK$180,488
+HK$9,038/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$342,900/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,513,992 · Scale 2, in force from 26 Feb 2026)