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$81,033
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,554
−HK$2,561/mo
Today · 4.125%
HK$86,115
baseline
▲ 0.50% · 4.625%
HK$91,355
+HK$5,240/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$172,230/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,149
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,566
−HK$2,453/mo
Today · 4.125%
HK$95,019
baseline
▲ 0.50% · 4.625%
HK$100,028
+HK$5,009/mo
Deposit HK$17.77M · loan HK$17.77M · min. income ≈ HK$190,038/mo (50% DSR)
Upfront cash ≈ HK$19.28M (deposit + AVD stamp duty HK$1,510,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,240
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,265
−HK$3,073/mo
Today · 4.125%
HK$103,338
baseline
▲ 0.50% · 4.625%
HK$109,625
+HK$6,287/mo
Deposit HK$14.21M · loan HK$21.32M · min. income ≈ HK$206,676/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,178
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,080
−HK$2,943/mo
Today · 4.125%
HK$114,023
baseline
▲ 0.50% · 4.625%
HK$120,033
+HK$6,010/mo
Deposit HK$14.21M · loan HK$21.32M · min. income ≈ HK$228,046/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,510,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,446
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$116,975
−HK$3,586/mo
Today · 4.125%
HK$120,561
baseline
▲ 0.50% · 4.625%
HK$127,896
+HK$7,335/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$241,122/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,208
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$129,593
−HK$3,434/mo
Today · 4.125%
HK$133,027
baseline
▲ 0.50% · 4.625%
HK$140,039
+HK$7,012/mo
Deposit HK$10.66M · loan HK$24.88M · min. income ≈ HK$266,054/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,510,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,860
−HK$9,146/mo
▼ 0.25% · 3.875%
HK$150,397
−HK$4,609/mo
Today · 4.125%
HK$155,006
baseline
▲ 0.50% · 4.625%
HK$164,438
+HK$9,432/mo
Deposit HK$3.55M · loan HK$31.98M · min. income ≈ HK$310,012/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,510,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,268
−HK$8,766/mo
▼ 0.25% · 3.875%
HK$166,619
−HK$4,415/mo
Today · 4.125%
HK$171,034
baseline
▲ 0.50% · 4.625%
HK$180,050
+HK$9,016/mo
Deposit HK$3.55M · loan HK$31.98M · min. income ≈ HK$342,068/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,510,318 · Scale 2, in force from 26 Feb 2026)