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$81,443
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,976
−HK$2,574/mo
Today · 4.125%
HK$86,550
baseline
▲ 0.50% · 4.625%
HK$91,816
+HK$5,266/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$173,100/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,517,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,604
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,034
−HK$2,465/mo
Today · 4.125%
HK$95,499
baseline
▲ 0.50% · 4.625%
HK$100,533
+HK$5,034/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$190,998/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,517,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,731
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,771
−HK$3,089/mo
Today · 4.125%
HK$103,860
baseline
▲ 0.50% · 4.625%
HK$110,179
+HK$6,319/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$207,720/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,725
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,641
−HK$2,958/mo
Today · 4.125%
HK$114,599
baseline
▲ 0.50% · 4.625%
HK$120,640
+HK$6,041/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$229,198/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,020
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$117,566
−HK$3,604/mo
Today · 4.125%
HK$121,170
baseline
▲ 0.50% · 4.625%
HK$128,543
+HK$7,373/mo
Deposit HK$10.71M · loan HK$25.00M · min. income ≈ HK$242,340/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,846
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$130,248
−HK$3,451/mo
Today · 4.125%
HK$133,699
baseline
▲ 0.50% · 4.625%
HK$140,746
+HK$7,047/mo
Deposit HK$10.71M · loan HK$25.00M · min. income ≈ HK$267,398/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,597
−HK$9,193/mo
▼ 0.25% · 3.875%
HK$151,157
−HK$4,633/mo
Today · 4.125%
HK$155,790
baseline
▲ 0.50% · 4.625%
HK$165,269
+HK$9,479/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$311,580/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,088
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$167,461
−HK$4,438/mo
Today · 4.125%
HK$171,899
baseline
▲ 0.50% · 4.625%
HK$180,960
+HK$9,061/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$343,798/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,950 · Scale 2, in force from 26 Feb 2026)