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$81,373
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,905
−HK$2,571/mo
Today · 4.125%
HK$86,476
baseline
▲ 0.50% · 4.625%
HK$91,738
+HK$5,262/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$172,952/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,527
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$92,955
−HK$2,463/mo
Today · 4.125%
HK$95,418
baseline
▲ 0.50% · 4.625%
HK$100,448
+HK$5,030/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$190,836/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,648
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$100,686
−HK$3,086/mo
Today · 4.125%
HK$103,772
baseline
▲ 0.50% · 4.625%
HK$110,086
+HK$6,314/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$207,544/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,633
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,546
−HK$2,956/mo
Today · 4.125%
HK$114,502
baseline
▲ 0.50% · 4.625%
HK$120,537
+HK$6,035/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$229,004/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,923
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$117,467
−HK$3,600/mo
Today · 4.125%
HK$121,067
baseline
▲ 0.50% · 4.625%
HK$128,433
+HK$7,366/mo
Deposit HK$10.71M · loan HK$24.98M · min. income ≈ HK$242,134/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,738
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$130,137
−HK$3,448/mo
Today · 4.125%
HK$133,585
baseline
▲ 0.50% · 4.625%
HK$140,627
+HK$7,042/mo
Deposit HK$10.71M · loan HK$24.98M · min. income ≈ HK$267,170/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,472
−HK$9,185/mo
▼ 0.25% · 3.875%
HK$151,028
−HK$4,629/mo
Today · 4.125%
HK$155,657
baseline
▲ 0.50% · 4.625%
HK$165,129
+HK$9,472/mo
Deposit HK$3.57M · loan HK$32.12M · min. income ≈ HK$311,314/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,516,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,949
−HK$8,804/mo
▼ 0.25% · 3.875%
HK$167,319
−HK$4,434/mo
Today · 4.125%
HK$171,753
baseline
▲ 0.50% · 4.625%
HK$180,806
+HK$9,053/mo
Deposit HK$3.57M · loan HK$32.12M · min. income ≈ HK$343,506/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,516,660 · Scale 2, in force from 26 Feb 2026)