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$5,108/mo
▼ 0.25% · 3.875%
HK$83,977
−HK$2,574/mo
Today · 4.125%
HK$86,551
baseline
▲ 0.50% · 4.625%
HK$91,817
+HK$5,266/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$173,102/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,517,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,605
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,035
−HK$2,465/mo
Today · 4.125%
HK$95,500
baseline
▲ 0.50% · 4.625%
HK$100,534
+HK$5,034/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$191,000/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,517,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,732
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,772
−HK$3,089/mo
Today · 4.125%
HK$103,861
baseline
▲ 0.50% · 4.625%
HK$110,180
+HK$6,319/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$207,722/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,726
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,642
−HK$2,958/mo
Today · 4.125%
HK$114,600
baseline
▲ 0.50% · 4.625%
HK$120,641
+HK$6,041/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$229,200/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,021
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$117,567
−HK$3,604/mo
Today · 4.125%
HK$121,171
baseline
▲ 0.50% · 4.625%
HK$128,544
+HK$7,373/mo
Deposit HK$10.72M · loan HK$25.00M · min. income ≈ HK$242,342/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,847
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$130,249
−HK$3,451/mo
Today · 4.125%
HK$133,700
baseline
▲ 0.50% · 4.625%
HK$140,747
+HK$7,047/mo
Deposit HK$10.72M · loan HK$25.00M · min. income ≈ HK$267,400/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,598
−HK$9,193/mo
▼ 0.25% · 3.875%
HK$151,158
−HK$4,633/mo
Today · 4.125%
HK$155,791
baseline
▲ 0.50% · 4.625%
HK$165,270
+HK$9,479/mo
Deposit HK$3.57M · loan HK$32.15M · min. income ≈ HK$311,582/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,089
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$167,463
−HK$4,437/mo
Today · 4.125%
HK$171,900
baseline
▲ 0.50% · 4.625%
HK$180,961
+HK$9,061/mo
Deposit HK$3.57M · loan HK$32.15M · min. income ≈ HK$343,800/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,962 · Scale 2, in force from 26 Feb 2026)