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$81,211
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,737
−HK$2,567/mo
Today · 4.125%
HK$86,304
baseline
▲ 0.50% · 4.625%
HK$91,555
+HK$5,251/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$172,608/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,346
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,769
−HK$2,459/mo
Today · 4.125%
HK$95,228
baseline
▲ 0.50% · 4.625%
HK$100,247
+HK$5,019/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$190,456/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,453
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,485
−HK$3,079/mo
Today · 4.125%
HK$103,564
baseline
▲ 0.50% · 4.625%
HK$109,866
+HK$6,302/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$207,128/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,416
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,323
−HK$2,950/mo
Today · 4.125%
HK$114,273
baseline
▲ 0.50% · 4.625%
HK$120,297
+HK$6,024/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$228,546/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,695
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$117,232
−HK$3,593/mo
Today · 4.125%
HK$120,825
baseline
▲ 0.50% · 4.625%
HK$128,177
+HK$7,352/mo
Deposit HK$10.68M · loan HK$24.93M · min. income ≈ HK$241,650/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,485
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$129,877
−HK$3,442/mo
Today · 4.125%
HK$133,319
baseline
▲ 0.50% · 4.625%
HK$140,346
+HK$7,027/mo
Deposit HK$10.68M · loan HK$24.93M · min. income ≈ HK$266,638/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,180
−HK$9,167/mo
▼ 0.25% · 3.875%
HK$150,727
−HK$4,620/mo
Today · 4.125%
HK$155,347
baseline
▲ 0.50% · 4.625%
HK$164,799
+HK$9,452/mo
Deposit HK$3.56M · loan HK$32.05M · min. income ≈ HK$310,694/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,513,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,624
−HK$8,786/mo
▼ 0.25% · 3.875%
HK$166,985
−HK$4,425/mo
Today · 4.125%
HK$171,410
baseline
▲ 0.50% · 4.625%
HK$180,445
+HK$9,035/mo
Deposit HK$3.56M · loan HK$32.05M · min. income ≈ HK$342,820/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,513,632 · Scale 2, in force from 26 Feb 2026)