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$81,071
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,593
−HK$2,562/mo
Today · 4.125%
HK$86,155
baseline
▲ 0.50% · 4.625%
HK$91,397
+HK$5,242/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$172,310/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,511,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,191
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,609
−HK$2,454/mo
Today · 4.125%
HK$95,063
baseline
▲ 0.50% · 4.625%
HK$100,074
+HK$5,011/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$190,126/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,511,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,285
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,311
−HK$3,075/mo
Today · 4.125%
HK$103,386
baseline
▲ 0.50% · 4.625%
HK$109,676
+HK$6,290/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$206,772/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,511,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,229
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,131
−HK$2,945/mo
Today · 4.125%
HK$114,076
baseline
▲ 0.50% · 4.625%
HK$120,089
+HK$6,013/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$228,152/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,511,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,499
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,030
−HK$3,587/mo
Today · 4.125%
HK$120,617
baseline
▲ 0.50% · 4.625%
HK$127,956
+HK$7,339/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$241,234/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,511,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,267
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,653
−HK$3,436/mo
Today · 4.125%
HK$133,089
baseline
▲ 0.50% · 4.625%
HK$140,104
+HK$7,015/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$266,178/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,511,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,928
−HK$9,151/mo
▼ 0.25% · 3.875%
HK$150,467
−HK$4,612/mo
Today · 4.125%
HK$155,079
baseline
▲ 0.50% · 4.625%
HK$164,515
+HK$9,436/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$310,158/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,511,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,343
−HK$8,771/mo
▼ 0.25% · 3.875%
HK$166,697
−HK$4,417/mo
Today · 4.125%
HK$171,114
baseline
▲ 0.50% · 4.625%
HK$180,134
+HK$9,020/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$342,228/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,511,020 · Scale 2, in force from 26 Feb 2026)