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$81,363
−HK$5,102/mo
▼ 0.25% · 3.875%
HK$83,893
−HK$2,572/mo
Today · 4.125%
HK$86,465
baseline
▲ 0.50% · 4.625%
HK$91,726
+HK$5,261/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$172,930/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,515
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$92,943
−HK$2,462/mo
Today · 4.125%
HK$95,405
baseline
▲ 0.50% · 4.625%
HK$100,434
+HK$5,029/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$190,810/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,635
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,672
−HK$3,086/mo
Today · 4.125%
HK$103,758
baseline
▲ 0.50% · 4.625%
HK$110,071
+HK$6,313/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$207,516/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,618
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,531
−HK$2,955/mo
Today · 4.125%
HK$114,486
baseline
▲ 0.50% · 4.625%
HK$120,521
+HK$6,035/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$228,972/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,908
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$117,451
−HK$3,600/mo
Today · 4.125%
HK$121,051
baseline
▲ 0.50% · 4.625%
HK$128,416
+HK$7,365/mo
Deposit HK$10.70M · loan HK$24.98M · min. income ≈ HK$242,102/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,721
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$130,120
−HK$3,447/mo
Today · 4.125%
HK$133,567
baseline
▲ 0.50% · 4.625%
HK$140,608
+HK$7,041/mo
Deposit HK$10.70M · loan HK$24.98M · min. income ≈ HK$267,134/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,453
−HK$9,183/mo
▼ 0.25% · 3.875%
HK$151,008
−HK$4,628/mo
Today · 4.125%
HK$155,636
baseline
▲ 0.50% · 4.625%
HK$165,107
+HK$9,471/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$311,272/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,927
−HK$8,802/mo
▼ 0.25% · 3.875%
HK$167,297
−HK$4,432/mo
Today · 4.125%
HK$171,729
baseline
▲ 0.50% · 4.625%
HK$180,782
+HK$9,053/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$343,458/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,456 · Scale 2, in force from 26 Feb 2026)