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$81,341
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,871
−HK$2,571/mo
Today · 4.125%
HK$86,442
baseline
▲ 0.50% · 4.625%
HK$91,701
+HK$5,259/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$172,884/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,516,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,491
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,918
−HK$2,462/mo
Today · 4.125%
HK$95,380
baseline
▲ 0.50% · 4.625%
HK$100,407
+HK$5,027/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$190,760/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,516,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,609
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,645
−HK$3,085/mo
Today · 4.125%
HK$103,730
baseline
▲ 0.50% · 4.625%
HK$110,042
+HK$6,312/mo
Deposit HK$14.27M · loan HK$21.40M · min. income ≈ HK$207,460/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,516,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,589
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,501
−HK$2,955/mo
Today · 4.125%
HK$114,456
baseline
▲ 0.50% · 4.625%
HK$120,489
+HK$6,033/mo
Deposit HK$14.27M · loan HK$21.40M · min. income ≈ HK$228,912/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,516,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,877
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$117,419
−HK$3,599/mo
Today · 4.125%
HK$121,018
baseline
▲ 0.50% · 4.625%
HK$128,382
+HK$7,364/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$242,036/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,687
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$130,085
−HK$3,447/mo
Today · 4.125%
HK$133,532
baseline
▲ 0.50% · 4.625%
HK$140,570
+HK$7,038/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$267,064/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,413
−HK$9,182/mo
▼ 0.25% · 3.875%
HK$150,968
−HK$4,627/mo
Today · 4.125%
HK$155,595
baseline
▲ 0.50% · 4.625%
HK$165,062
+HK$9,467/mo
Deposit HK$3.57M · loan HK$32.10M · min. income ≈ HK$311,190/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,883
−HK$8,800/mo
▼ 0.25% · 3.875%
HK$167,252
−HK$4,431/mo
Today · 4.125%
HK$171,683
baseline
▲ 0.50% · 4.625%
HK$180,733
+HK$9,050/mo
Deposit HK$3.57M · loan HK$32.10M · min. income ≈ HK$343,366/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,050 · Scale 2, in force from 26 Feb 2026)