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$81,417
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,949
−HK$2,573/mo
Today · 4.125%
HK$86,522
baseline
▲ 0.50% · 4.625%
HK$91,787
+HK$5,265/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$173,044/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,575
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,005
−HK$2,464/mo
Today · 4.125%
HK$95,469
baseline
▲ 0.50% · 4.625%
HK$100,501
+HK$5,032/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$190,938/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,700
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,739
−HK$3,088/mo
Today · 4.125%
HK$103,827
baseline
▲ 0.50% · 4.625%
HK$110,144
+HK$6,317/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$207,654/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,690
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,605
−HK$2,958/mo
Today · 4.125%
HK$114,563
baseline
▲ 0.50% · 4.625%
HK$120,601
+HK$6,038/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$229,126/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,984
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$117,529
−HK$3,602/mo
Today · 4.125%
HK$121,131
baseline
▲ 0.50% · 4.625%
HK$128,502
+HK$7,371/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$242,262/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,806
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$130,206
−HK$3,450/mo
Today · 4.125%
HK$133,656
baseline
▲ 0.50% · 4.625%
HK$140,702
+HK$7,046/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$267,312/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,550
−HK$9,190/mo
▼ 0.25% · 3.875%
HK$151,109
−HK$4,631/mo
Today · 4.125%
HK$155,740
baseline
▲ 0.50% · 4.625%
HK$165,217
+HK$9,477/mo
Deposit HK$3.57M · loan HK$32.13M · min. income ≈ HK$311,480/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,036
−HK$8,808/mo
▼ 0.25% · 3.875%
HK$167,408
−HK$4,436/mo
Today · 4.125%
HK$171,844
baseline
▲ 0.50% · 4.625%
HK$180,902
+HK$9,058/mo
Deposit HK$3.57M · loan HK$32.13M · min. income ≈ HK$343,688/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,468 · Scale 2, in force from 26 Feb 2026)