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$81,225
−HK$5,093/mo
▼ 0.25% · 3.875%
HK$83,751
−HK$2,567/mo
Today · 4.125%
HK$86,318
baseline
▲ 0.50% · 4.625%
HK$91,570
+HK$5,252/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$172,636/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,362
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$92,785
−HK$2,459/mo
Today · 4.125%
HK$95,244
baseline
▲ 0.50% · 4.625%
HK$100,264
+HK$5,020/mo
Deposit HK$17.81M · loan HK$17.81M · min. income ≈ HK$190,488/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,470
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,502
−HK$3,080/mo
Today · 4.125%
HK$103,582
baseline
▲ 0.50% · 4.625%
HK$109,885
+HK$6,303/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$207,164/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,434
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,342
−HK$2,950/mo
Today · 4.125%
HK$114,292
baseline
▲ 0.50% · 4.625%
HK$120,317
+HK$6,025/mo
Deposit HK$14.25M · loan HK$21.37M · min. income ≈ HK$228,584/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,715
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$117,252
−HK$3,594/mo
Today · 4.125%
HK$120,846
baseline
▲ 0.50% · 4.625%
HK$128,199
+HK$7,353/mo
Deposit HK$10.69M · loan HK$24.93M · min. income ≈ HK$241,692/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,506
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$129,899
−HK$3,442/mo
Today · 4.125%
HK$133,341
baseline
▲ 0.50% · 4.625%
HK$140,370
+HK$7,029/mo
Deposit HK$10.69M · loan HK$24.93M · min. income ≈ HK$266,682/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,513,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,205
−HK$9,168/mo
▼ 0.25% · 3.875%
HK$150,752
−HK$4,621/mo
Today · 4.125%
HK$155,373
baseline
▲ 0.50% · 4.625%
HK$164,827
+HK$9,454/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$310,746/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,513,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,651
−HK$8,788/mo
▼ 0.25% · 3.875%
HK$167,013
−HK$4,426/mo
Today · 4.125%
HK$171,439
baseline
▲ 0.50% · 4.625%
HK$180,475
+HK$9,036/mo
Deposit HK$3.56M · loan HK$32.06M · min. income ≈ HK$342,878/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,513,888 · Scale 2, in force from 26 Feb 2026)