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$81,075
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,597
−HK$2,562/mo
Today · 4.125%
HK$86,159
baseline
▲ 0.50% · 4.625%
HK$91,402
+HK$5,243/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$172,318/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,511,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,195
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,614
−HK$2,454/mo
Today · 4.125%
HK$95,068
baseline
▲ 0.50% · 4.625%
HK$100,080
+HK$5,012/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$190,136/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,511,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,290
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,317
−HK$3,074/mo
Today · 4.125%
HK$103,391
baseline
▲ 0.50% · 4.625%
HK$109,682
+HK$6,291/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$206,782/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,511,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,234
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,137
−HK$2,945/mo
Today · 4.125%
HK$114,082
baseline
▲ 0.50% · 4.625%
HK$120,095
+HK$6,013/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$228,164/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,511,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,505
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,036
−HK$3,587/mo
Today · 4.125%
HK$120,623
baseline
▲ 0.50% · 4.625%
HK$127,963
+HK$7,340/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$241,246/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,511,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,273
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,660
−HK$3,436/mo
Today · 4.125%
HK$133,096
baseline
▲ 0.50% · 4.625%
HK$140,111
+HK$7,015/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$266,192/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,511,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,935
−HK$9,152/mo
▼ 0.25% · 3.875%
HK$150,475
−HK$4,612/mo
Today · 4.125%
HK$155,087
baseline
▲ 0.50% · 4.625%
HK$164,523
+HK$9,436/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$310,174/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,511,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,352
−HK$8,771/mo
▼ 0.25% · 3.875%
HK$166,706
−HK$4,417/mo
Today · 4.125%
HK$171,123
baseline
▲ 0.50% · 4.625%
HK$180,143
+HK$9,020/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$342,246/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,511,101 · Scale 2, in force from 26 Feb 2026)