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$80,998
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,518
−HK$2,560/mo
Today · 4.125%
HK$86,078
baseline
▲ 0.50% · 4.625%
HK$91,315
+HK$5,237/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$172,156/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,110
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,527
−HK$2,451/mo
Today · 4.125%
HK$94,978
baseline
▲ 0.50% · 4.625%
HK$99,985
+HK$5,007/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$189,956/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,198
−HK$6,095/mo
▼ 0.25% · 3.875%
HK$100,221
−HK$3,072/mo
Today · 4.125%
HK$103,293
baseline
▲ 0.50% · 4.625%
HK$109,578
+HK$6,285/mo
Deposit HK$14.21M · loan HK$21.31M · min. income ≈ HK$206,586/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,132
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$111,032
−HK$2,942/mo
Today · 4.125%
HK$113,974
baseline
▲ 0.50% · 4.625%
HK$119,982
+HK$6,008/mo
Deposit HK$14.21M · loan HK$21.31M · min. income ≈ HK$227,948/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,398
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$116,925
−HK$3,584/mo
Today · 4.125%
HK$120,509
baseline
▲ 0.50% · 4.625%
HK$127,841
+HK$7,332/mo
Deposit HK$10.66M · loan HK$24.87M · min. income ≈ HK$241,018/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,509,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,154
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$129,537
−HK$3,433/mo
Today · 4.125%
HK$132,970
baseline
▲ 0.50% · 4.625%
HK$139,979
+HK$7,009/mo
Deposit HK$10.66M · loan HK$24.87M · min. income ≈ HK$265,940/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,509,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,797
−HK$9,143/mo
▼ 0.25% · 3.875%
HK$150,332
−HK$4,608/mo
Today · 4.125%
HK$154,940
baseline
▲ 0.50% · 4.625%
HK$164,368
+HK$9,428/mo
Deposit HK$3.55M · loan HK$31.97M · min. income ≈ HK$309,880/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,198
−HK$8,763/mo
▼ 0.25% · 3.875%
HK$166,548
−HK$4,413/mo
Today · 4.125%
HK$170,961
baseline
▲ 0.50% · 4.625%
HK$179,972
+HK$9,011/mo
Deposit HK$3.55M · loan HK$31.97M · min. income ≈ HK$341,922/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,669 · Scale 2, in force from 26 Feb 2026)