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$81,420
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,953
−HK$2,573/mo
Today · 4.125%
HK$86,526
baseline
▲ 0.50% · 4.625%
HK$91,791
+HK$5,265/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$173,052/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,579
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,009
−HK$2,464/mo
Today · 4.125%
HK$95,473
baseline
▲ 0.50% · 4.625%
HK$100,505
+HK$5,032/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$190,946/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,704
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,743
−HK$3,088/mo
Today · 4.125%
HK$103,831
baseline
▲ 0.50% · 4.625%
HK$110,149
+HK$6,318/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$207,662/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,695
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,610
−HK$2,958/mo
Today · 4.125%
HK$114,568
baseline
▲ 0.50% · 4.625%
HK$120,607
+HK$6,039/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$229,136/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,988
−HK$7,148/mo
▼ 0.25% · 3.875%
HK$117,534
−HK$3,602/mo
Today · 4.125%
HK$121,136
baseline
▲ 0.50% · 4.625%
HK$128,507
+HK$7,371/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$242,272/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,811
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$130,212
−HK$3,450/mo
Today · 4.125%
HK$133,662
baseline
▲ 0.50% · 4.625%
HK$140,708
+HK$7,046/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$267,324/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,556
−HK$9,191/mo
▼ 0.25% · 3.875%
HK$151,115
−HK$4,632/mo
Today · 4.125%
HK$155,747
baseline
▲ 0.50% · 4.625%
HK$165,224
+HK$9,477/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$311,494/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,043
−HK$8,808/mo
▼ 0.25% · 3.875%
HK$167,415
−HK$4,436/mo
Today · 4.125%
HK$171,851
baseline
▲ 0.50% · 4.625%
HK$180,910
+HK$9,059/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$343,702/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,532 · Scale 2, in force from 26 Feb 2026)