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$81,440
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,973
−HK$2,574/mo
Today · 4.125%
HK$86,547
baseline
▲ 0.50% · 4.625%
HK$91,813
+HK$5,266/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$173,094/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,517,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,601
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,031
−HK$2,465/mo
Today · 4.125%
HK$95,496
baseline
▲ 0.50% · 4.625%
HK$100,530
+HK$5,034/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$190,992/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,517,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,728
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,768
−HK$3,088/mo
Today · 4.125%
HK$103,856
baseline
▲ 0.50% · 4.625%
HK$110,176
+HK$6,320/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$207,712/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,721
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,637
−HK$2,958/mo
Today · 4.125%
HK$114,595
baseline
▲ 0.50% · 4.625%
HK$120,636
+HK$6,041/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$229,190/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,016
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$117,563
−HK$3,603/mo
Today · 4.125%
HK$121,166
baseline
▲ 0.50% · 4.625%
HK$128,538
+HK$7,372/mo
Deposit HK$10.71M · loan HK$25.00M · min. income ≈ HK$242,332/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,842
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$130,243
−HK$3,451/mo
Today · 4.125%
HK$133,694
baseline
▲ 0.50% · 4.625%
HK$140,742
+HK$7,048/mo
Deposit HK$10.71M · loan HK$25.00M · min. income ≈ HK$267,388/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,592
−HK$9,193/mo
▼ 0.25% · 3.875%
HK$151,152
−HK$4,633/mo
Today · 4.125%
HK$155,785
baseline
▲ 0.50% · 4.625%
HK$165,264
+HK$9,479/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$311,570/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,082
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$167,456
−HK$4,437/mo
Today · 4.125%
HK$171,893
baseline
▲ 0.50% · 4.625%
HK$180,954
+HK$9,061/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$343,786/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,899 · Scale 2, in force from 26 Feb 2026)