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$81,076
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,598
−HK$2,562/mo
Today · 4.125%
HK$86,160
baseline
▲ 0.50% · 4.625%
HK$91,403
+HK$5,243/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$172,320/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,511,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,196
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$92,615
−HK$2,454/mo
Today · 4.125%
HK$95,069
baseline
▲ 0.50% · 4.625%
HK$100,081
+HK$5,012/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$190,138/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,511,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,291
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,318
−HK$3,074/mo
Today · 4.125%
HK$103,392
baseline
▲ 0.50% · 4.625%
HK$109,683
+HK$6,291/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$206,784/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,511,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,236
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,138
−HK$2,945/mo
Today · 4.125%
HK$114,083
baseline
▲ 0.50% · 4.625%
HK$120,097
+HK$6,014/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$228,166/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,511,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,506
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,037
−HK$3,587/mo
Today · 4.125%
HK$120,624
baseline
▲ 0.50% · 4.625%
HK$127,964
+HK$7,340/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$241,248/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,511,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,275
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,661
−HK$3,436/mo
Today · 4.125%
HK$133,097
baseline
▲ 0.50% · 4.625%
HK$140,113
+HK$7,016/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$266,194/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,511,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,937
−HK$9,151/mo
▼ 0.25% · 3.875%
HK$150,476
−HK$4,612/mo
Today · 4.125%
HK$155,088
baseline
▲ 0.50% · 4.625%
HK$164,525
+HK$9,437/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$310,176/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,511,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,353
−HK$8,772/mo
▼ 0.25% · 3.875%
HK$166,708
−HK$4,417/mo
Today · 4.125%
HK$171,125
baseline
▲ 0.50% · 4.625%
HK$180,145
+HK$9,020/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$342,250/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,511,116 · Scale 2, in force from 26 Feb 2026)