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$80,966
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,485
−HK$2,559/mo
Today · 4.125%
HK$86,044
baseline
▲ 0.50% · 4.625%
HK$91,279
+HK$5,235/mo
Deposit HK$17.75M · loan HK$17.75M · min. income ≈ HK$172,088/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,509,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,074
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,490
−HK$2,451/mo
Today · 4.125%
HK$94,941
baseline
▲ 0.50% · 4.625%
HK$99,945
+HK$5,004/mo
Deposit HK$17.75M · loan HK$17.75M · min. income ≈ HK$189,882/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,509,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,160
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,182
−HK$3,070/mo
Today · 4.125%
HK$103,252
baseline
▲ 0.50% · 4.625%
HK$109,535
+HK$6,283/mo
Deposit HK$14.20M · loan HK$21.30M · min. income ≈ HK$206,504/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,509,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,089
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$110,988
−HK$2,941/mo
Today · 4.125%
HK$113,929
baseline
▲ 0.50% · 4.625%
HK$119,934
+HK$6,005/mo
Deposit HK$14.20M · loan HK$21.30M · min. income ≈ HK$227,858/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,509,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,353
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,879
−HK$3,582/mo
Today · 4.125%
HK$120,461
baseline
▲ 0.50% · 4.625%
HK$127,791
+HK$7,330/mo
Deposit HK$10.65M · loan HK$24.86M · min. income ≈ HK$240,922/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,509,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,104
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$129,486
−HK$3,431/mo
Today · 4.125%
HK$132,917
baseline
▲ 0.50% · 4.625%
HK$139,923
+HK$7,006/mo
Deposit HK$10.65M · loan HK$24.86M · min. income ≈ HK$265,834/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,509,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,739
−HK$9,140/mo
▼ 0.25% · 3.875%
HK$150,273
−HK$4,606/mo
Today · 4.125%
HK$154,879
baseline
▲ 0.50% · 4.625%
HK$164,303
+HK$9,424/mo
Deposit HK$3.55M · loan HK$31.96M · min. income ≈ HK$309,758/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,134
−HK$8,759/mo
▼ 0.25% · 3.875%
HK$166,482
−HK$4,411/mo
Today · 4.125%
HK$170,893
baseline
▲ 0.50% · 4.625%
HK$179,901
+HK$9,008/mo
Deposit HK$3.55M · loan HK$31.96M · min. income ≈ HK$341,786/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,072 · Scale 2, in force from 26 Feb 2026)