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$81,185
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,710
−HK$2,566/mo
Today · 4.125%
HK$86,276
baseline
▲ 0.50% · 4.625%
HK$91,526
+HK$5,250/mo
Deposit HK$17.80M · loan HK$17.80M · min. income ≈ HK$172,552/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,513,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,318
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$92,740
−HK$2,457/mo
Today · 4.125%
HK$95,197
baseline
▲ 0.50% · 4.625%
HK$100,215
+HK$5,018/mo
Deposit HK$17.80M · loan HK$17.80M · min. income ≈ HK$190,394/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,513,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,422
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,453
−HK$3,078/mo
Today · 4.125%
HK$103,531
baseline
▲ 0.50% · 4.625%
HK$109,831
+HK$6,300/mo
Deposit HK$14.24M · loan HK$21.36M · min. income ≈ HK$207,062/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,513,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,381
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,288
−HK$2,949/mo
Today · 4.125%
HK$114,237
baseline
▲ 0.50% · 4.625%
HK$120,258
+HK$6,021/mo
Deposit HK$14.24M · loan HK$21.36M · min. income ≈ HK$228,474/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,513,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,659
−HK$7,128/mo
▼ 0.25% · 3.875%
HK$117,195
−HK$3,592/mo
Today · 4.125%
HK$120,787
baseline
▲ 0.50% · 4.625%
HK$128,136
+HK$7,349/mo
Deposit HK$10.68M · loan HK$24.92M · min. income ≈ HK$241,574/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,513,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,445
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$129,836
−HK$3,440/mo
Today · 4.125%
HK$133,276
baseline
▲ 0.50% · 4.625%
HK$140,301
+HK$7,025/mo
Deposit HK$10.68M · loan HK$24.92M · min. income ≈ HK$266,552/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,513,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,133
−HK$9,164/mo
▼ 0.25% · 3.875%
HK$150,679
−HK$4,618/mo
Today · 4.125%
HK$155,297
baseline
▲ 0.50% · 4.625%
HK$164,747
+HK$9,450/mo
Deposit HK$3.56M · loan HK$32.04M · min. income ≈ HK$310,594/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,513,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,572
−HK$8,783/mo
▼ 0.25% · 3.875%
HK$166,932
−HK$4,423/mo
Today · 4.125%
HK$171,355
baseline
▲ 0.50% · 4.625%
HK$180,387
+HK$9,032/mo
Deposit HK$3.56M · loan HK$32.04M · min. income ≈ HK$342,710/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,513,150 · Scale 2, in force from 26 Feb 2026)