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$81,429
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,961
−HK$2,574/mo
Today · 4.125%
HK$86,535
baseline
▲ 0.50% · 4.625%
HK$91,800
+HK$5,265/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$173,070/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,588
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,018
−HK$2,465/mo
Today · 4.125%
HK$95,483
baseline
▲ 0.50% · 4.625%
HK$100,516
+HK$5,033/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$190,966/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,714
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,754
−HK$3,088/mo
Today · 4.125%
HK$103,842
baseline
▲ 0.50% · 4.625%
HK$110,160
+HK$6,318/mo
Deposit HK$14.28M · loan HK$21.43M · min. income ≈ HK$207,684/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,706
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,622
−HK$2,957/mo
Today · 4.125%
HK$114,579
baseline
▲ 0.50% · 4.625%
HK$120,619
+HK$6,040/mo
Deposit HK$14.28M · loan HK$21.43M · min. income ≈ HK$229,158/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,000
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$117,546
−HK$3,603/mo
Today · 4.125%
HK$121,149
baseline
▲ 0.50% · 4.625%
HK$128,520
+HK$7,371/mo
Deposit HK$10.71M · loan HK$25.00M · min. income ≈ HK$242,298/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,824
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$130,225
−HK$3,451/mo
Today · 4.125%
HK$133,676
baseline
▲ 0.50% · 4.625%
HK$140,722
+HK$7,046/mo
Deposit HK$10.71M · loan HK$25.00M · min. income ≈ HK$267,352/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,571
−HK$9,192/mo
▼ 0.25% · 3.875%
HK$151,131
−HK$4,632/mo
Today · 4.125%
HK$155,763
baseline
▲ 0.50% · 4.625%
HK$165,241
+HK$9,478/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$311,526/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,059
−HK$8,810/mo
▼ 0.25% · 3.875%
HK$167,432
−HK$4,437/mo
Today · 4.125%
HK$171,869
baseline
▲ 0.50% · 4.625%
HK$180,928
+HK$9,059/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$343,738/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,687 · Scale 2, in force from 26 Feb 2026)