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$81,413
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,945
−HK$2,573/mo
Today · 4.125%
HK$86,518
baseline
▲ 0.50% · 4.625%
HK$91,783
+HK$5,265/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$173,036/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,571
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$93,000
−HK$2,464/mo
Today · 4.125%
HK$95,464
baseline
▲ 0.50% · 4.625%
HK$100,496
+HK$5,032/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$190,928/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,696
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,734
−HK$3,088/mo
Today · 4.125%
HK$103,822
baseline
▲ 0.50% · 4.625%
HK$110,139
+HK$6,317/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$207,644/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,685
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,600
−HK$2,957/mo
Today · 4.125%
HK$114,557
baseline
▲ 0.50% · 4.625%
HK$120,596
+HK$6,039/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$229,114/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,978
−HK$7,148/mo
▼ 0.25% · 3.875%
HK$117,523
−HK$3,603/mo
Today · 4.125%
HK$121,126
baseline
▲ 0.50% · 4.625%
HK$128,496
+HK$7,370/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$242,252/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,799
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$130,200
−HK$3,450/mo
Today · 4.125%
HK$133,650
baseline
▲ 0.50% · 4.625%
HK$140,695
+HK$7,045/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$267,300/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,543
−HK$9,190/mo
▼ 0.25% · 3.875%
HK$151,102
−HK$4,631/mo
Today · 4.125%
HK$155,733
baseline
▲ 0.50% · 4.625%
HK$165,209
+HK$9,476/mo
Deposit HK$3.57M · loan HK$32.13M · min. income ≈ HK$311,466/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,028
−HK$8,808/mo
▼ 0.25% · 3.875%
HK$167,400
−HK$4,436/mo
Today · 4.125%
HK$171,836
baseline
▲ 0.50% · 4.625%
HK$180,893
+HK$9,057/mo
Deposit HK$3.57M · loan HK$32.13M · min. income ≈ HK$343,672/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,395 · Scale 2, in force from 26 Feb 2026)