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$81,256
−HK$5,095/mo
▼ 0.25% · 3.875%
HK$83,783
−HK$2,568/mo
Today · 4.125%
HK$86,351
baseline
▲ 0.50% · 4.625%
HK$91,605
+HK$5,254/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$172,702/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,396
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$92,820
−HK$2,460/mo
Today · 4.125%
HK$95,280
baseline
▲ 0.50% · 4.625%
HK$100,302
+HK$5,022/mo
Deposit HK$17.82M · loan HK$17.82M · min. income ≈ HK$190,560/mo (50% DSR)
Upfront cash ≈ HK$19.33M (deposit + AVD stamp duty HK$1,514,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,507
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,540
−HK$3,081/mo
Today · 4.125%
HK$103,621
baseline
▲ 0.50% · 4.625%
HK$109,926
+HK$6,305/mo
Deposit HK$14.25M · loan HK$21.38M · min. income ≈ HK$207,242/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,475
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,384
−HK$2,952/mo
Today · 4.125%
HK$114,336
baseline
▲ 0.50% · 4.625%
HK$120,363
+HK$6,027/mo
Deposit HK$14.25M · loan HK$21.38M · min. income ≈ HK$228,672/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,514,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,758
−HK$7,133/mo
▼ 0.25% · 3.875%
HK$117,296
−HK$3,595/mo
Today · 4.125%
HK$120,891
baseline
▲ 0.50% · 4.625%
HK$128,247
+HK$7,356/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$241,782/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,514,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,554
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,949
−HK$3,443/mo
Today · 4.125%
HK$133,392
baseline
▲ 0.50% · 4.625%
HK$140,423
+HK$7,031/mo
Deposit HK$10.69M · loan HK$24.94M · min. income ≈ HK$266,784/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,514,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,260
−HK$9,172/mo
▼ 0.25% · 3.875%
HK$150,810
−HK$4,622/mo
Today · 4.125%
HK$155,432
baseline
▲ 0.50% · 4.625%
HK$164,889
+HK$9,457/mo
Deposit HK$3.56M · loan HK$32.07M · min. income ≈ HK$310,864/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,713
−HK$8,791/mo
▼ 0.25% · 3.875%
HK$167,077
−HK$4,427/mo
Today · 4.125%
HK$171,504
baseline
▲ 0.50% · 4.625%
HK$180,544
+HK$9,040/mo
Deposit HK$3.56M · loan HK$32.07M · min. income ≈ HK$343,008/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$1,514,462 · Scale 2, in force from 26 Feb 2026)