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$81,188
−HK$5,091/mo
▼ 0.25% · 3.875%
HK$83,713
−HK$2,566/mo
Today · 4.125%
HK$86,279
baseline
▲ 0.50% · 4.625%
HK$91,529
+HK$5,250/mo
Deposit HK$17.80M · loan HK$17.80M · min. income ≈ HK$172,558/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,321
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$92,743
−HK$2,458/mo
Today · 4.125%
HK$95,201
baseline
▲ 0.50% · 4.625%
HK$100,219
+HK$5,018/mo
Deposit HK$17.80M · loan HK$17.80M · min. income ≈ HK$190,402/mo (50% DSR)
Upfront cash ≈ HK$19.32M (deposit + AVD stamp duty HK$1,513,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,426
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,456
−HK$3,079/mo
Today · 4.125%
HK$103,535
baseline
▲ 0.50% · 4.625%
HK$109,835
+HK$6,300/mo
Deposit HK$14.24M · loan HK$21.36M · min. income ≈ HK$207,070/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,385
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,292
−HK$2,949/mo
Today · 4.125%
HK$114,241
baseline
▲ 0.50% · 4.625%
HK$120,263
+HK$6,022/mo
Deposit HK$14.24M · loan HK$21.36M · min. income ≈ HK$228,482/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,513,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,663
−HK$7,128/mo
▼ 0.25% · 3.875%
HK$117,199
−HK$3,592/mo
Today · 4.125%
HK$120,791
baseline
▲ 0.50% · 4.625%
HK$128,141
+HK$7,350/mo
Deposit HK$10.68M · loan HK$24.92M · min. income ≈ HK$241,582/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,513,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,449
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$129,841
−HK$3,440/mo
Today · 4.125%
HK$133,281
baseline
▲ 0.50% · 4.625%
HK$140,306
+HK$7,025/mo
Deposit HK$10.68M · loan HK$24.92M · min. income ≈ HK$266,562/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,513,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,139
−HK$9,164/mo
▼ 0.25% · 3.875%
HK$150,684
−HK$4,619/mo
Today · 4.125%
HK$155,303
baseline
▲ 0.50% · 4.625%
HK$164,752
+HK$9,449/mo
Deposit HK$3.56M · loan HK$32.04M · min. income ≈ HK$310,606/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,513,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,578
−HK$8,783/mo
▼ 0.25% · 3.875%
HK$166,938
−HK$4,423/mo
Today · 4.125%
HK$171,361
baseline
▲ 0.50% · 4.625%
HK$180,394
+HK$9,033/mo
Deposit HK$3.56M · loan HK$32.04M · min. income ≈ HK$342,722/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,513,204 · Scale 2, in force from 26 Feb 2026)