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$80,971
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,489
−HK$2,559/mo
Today · 4.125%
HK$86,048
baseline
▲ 0.50% · 4.625%
HK$91,284
+HK$5,236/mo
Deposit HK$17.75M · loan HK$17.75M · min. income ≈ HK$172,096/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,509,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,079
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,495
−HK$2,451/mo
Today · 4.125%
HK$94,946
baseline
▲ 0.50% · 4.625%
HK$99,951
+HK$5,005/mo
Deposit HK$17.75M · loan HK$17.75M · min. income ≈ HK$189,892/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,509,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,165
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,187
−HK$3,071/mo
Today · 4.125%
HK$103,258
baseline
▲ 0.50% · 4.625%
HK$109,541
+HK$6,283/mo
Deposit HK$14.20M · loan HK$21.31M · min. income ≈ HK$206,516/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,509,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,095
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$110,994
−HK$2,941/mo
Today · 4.125%
HK$113,935
baseline
▲ 0.50% · 4.625%
HK$119,941
+HK$6,006/mo
Deposit HK$14.20M · loan HK$21.31M · min. income ≈ HK$227,870/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,509,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,359
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,885
−HK$3,583/mo
Today · 4.125%
HK$120,468
baseline
▲ 0.50% · 4.625%
HK$127,798
+HK$7,330/mo
Deposit HK$10.65M · loan HK$24.86M · min. income ≈ HK$240,936/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,509,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,111
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$129,493
−HK$3,431/mo
Today · 4.125%
HK$132,924
baseline
▲ 0.50% · 4.625%
HK$139,931
+HK$7,007/mo
Deposit HK$10.65M · loan HK$24.86M · min. income ≈ HK$265,848/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,509,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,747
−HK$9,140/mo
▼ 0.25% · 3.875%
HK$150,281
−HK$4,606/mo
Today · 4.125%
HK$154,887
baseline
▲ 0.50% · 4.625%
HK$164,312
+HK$9,425/mo
Deposit HK$3.55M · loan HK$31.96M · min. income ≈ HK$309,774/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,142
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$166,491
−HK$4,412/mo
Today · 4.125%
HK$170,903
baseline
▲ 0.50% · 4.625%
HK$179,911
+HK$9,008/mo
Deposit HK$3.55M · loan HK$31.96M · min. income ≈ HK$341,806/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,154 · Scale 2, in force from 26 Feb 2026)