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$81,236
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,762
−HK$2,568/mo
Today · 4.125%
HK$86,330
baseline
▲ 0.50% · 4.625%
HK$91,583
+HK$5,253/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$172,660/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,374
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,798
−HK$2,458/mo
Today · 4.125%
HK$95,256
baseline
▲ 0.50% · 4.625%
HK$100,277
+HK$5,021/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$190,512/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,483
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,515
−HK$3,081/mo
Today · 4.125%
HK$103,596
baseline
▲ 0.50% · 4.625%
HK$109,899
+HK$6,303/mo
Deposit HK$14.25M · loan HK$21.38M · min. income ≈ HK$207,192/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,514,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,448
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,357
−HK$2,951/mo
Today · 4.125%
HK$114,308
baseline
▲ 0.50% · 4.625%
HK$120,333
+HK$6,025/mo
Deposit HK$14.25M · loan HK$21.38M · min. income ≈ HK$228,616/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,514,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,730
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$117,267
−HK$3,595/mo
Today · 4.125%
HK$120,862
baseline
▲ 0.50% · 4.625%
HK$128,216
+HK$7,354/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$241,724/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,514,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,523
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$129,917
−HK$3,442/mo
Today · 4.125%
HK$133,359
baseline
▲ 0.50% · 4.625%
HK$140,388
+HK$7,029/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$266,718/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,514,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,224
−HK$9,170/mo
▼ 0.25% · 3.875%
HK$150,772
−HK$4,622/mo
Today · 4.125%
HK$155,394
baseline
▲ 0.50% · 4.625%
HK$164,849
+HK$9,455/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$310,788/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,673
−HK$8,788/mo
▼ 0.25% · 3.875%
HK$167,036
−HK$4,425/mo
Today · 4.125%
HK$171,461
baseline
▲ 0.50% · 4.625%
HK$180,499
+HK$9,038/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$342,922/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,089 · Scale 2, in force from 26 Feb 2026)