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$81,409
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,941
−HK$2,573/mo
Today · 4.125%
HK$86,514
baseline
▲ 0.50% · 4.625%
HK$91,778
+HK$5,264/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$173,028/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,567
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$92,995
−HK$2,465/mo
Today · 4.125%
HK$95,460
baseline
▲ 0.50% · 4.625%
HK$100,491
+HK$5,031/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$190,920/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,691
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,729
−HK$3,088/mo
Today · 4.125%
HK$103,817
baseline
▲ 0.50% · 4.625%
HK$110,134
+HK$6,317/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$207,634/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,680
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,595
−HK$2,956/mo
Today · 4.125%
HK$114,551
baseline
▲ 0.50% · 4.625%
HK$120,590
+HK$6,039/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$229,102/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,972
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$117,518
−HK$3,601/mo
Today · 4.125%
HK$121,119
baseline
▲ 0.50% · 4.625%
HK$128,489
+HK$7,370/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$242,238/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,793
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$130,194
−HK$3,449/mo
Today · 4.125%
HK$133,643
baseline
▲ 0.50% · 4.625%
HK$140,688
+HK$7,045/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$267,286/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,536
−HK$9,189/mo
▼ 0.25% · 3.875%
HK$151,094
−HK$4,631/mo
Today · 4.125%
HK$155,725
baseline
▲ 0.50% · 4.625%
HK$165,201
+HK$9,476/mo
Deposit HK$3.57M · loan HK$32.13M · min. income ≈ HK$311,450/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,020
−HK$8,807/mo
▼ 0.25% · 3.875%
HK$167,392
−HK$4,435/mo
Today · 4.125%
HK$171,827
baseline
▲ 0.50% · 4.625%
HK$180,884
+HK$9,057/mo
Deposit HK$3.57M · loan HK$32.13M · min. income ≈ HK$343,654/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,319 · Scale 2, in force from 26 Feb 2026)