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$81,350
−HK$5,101/mo
▼ 0.25% · 3.875%
HK$83,880
−HK$2,571/mo
Today · 4.125%
HK$86,451
baseline
▲ 0.50% · 4.625%
HK$91,712
+HK$5,261/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$172,902/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,516,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,501
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$92,928
−HK$2,462/mo
Today · 4.125%
HK$95,390
baseline
▲ 0.50% · 4.625%
HK$100,419
+HK$5,029/mo
Deposit HK$17.84M · loan HK$17.84M · min. income ≈ HK$190,780/mo (50% DSR)
Upfront cash ≈ HK$19.35M (deposit + AVD stamp duty HK$1,516,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,620
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,656
−HK$3,085/mo
Today · 4.125%
HK$103,741
baseline
▲ 0.50% · 4.625%
HK$110,054
+HK$6,313/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$207,482/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,601
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,514
−HK$2,954/mo
Today · 4.125%
HK$114,468
baseline
▲ 0.50% · 4.625%
HK$120,502
+HK$6,034/mo
Deposit HK$14.27M · loan HK$21.41M · min. income ≈ HK$228,936/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,890
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,432
−HK$3,600/mo
Today · 4.125%
HK$121,032
baseline
▲ 0.50% · 4.625%
HK$128,396
+HK$7,364/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$242,064/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,701
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$130,099
−HK$3,448/mo
Today · 4.125%
HK$133,547
baseline
▲ 0.50% · 4.625%
HK$140,586
+HK$7,039/mo
Deposit HK$10.70M · loan HK$24.97M · min. income ≈ HK$267,094/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,430
−HK$9,182/mo
▼ 0.25% · 3.875%
HK$150,985
−HK$4,627/mo
Today · 4.125%
HK$155,612
baseline
▲ 0.50% · 4.625%
HK$165,081
+HK$9,469/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$311,224/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,902
−HK$8,801/mo
▼ 0.25% · 3.875%
HK$167,271
−HK$4,432/mo
Today · 4.125%
HK$171,703
baseline
▲ 0.50% · 4.625%
HK$180,753
+HK$9,050/mo
Deposit HK$3.57M · loan HK$32.11M · min. income ≈ HK$343,406/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,516,220 · Scale 2, in force from 26 Feb 2026)