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$81,168
−HK$5,090/mo
▼ 0.25% · 3.875%
HK$83,693
−HK$2,565/mo
Today · 4.125%
HK$86,258
baseline
▲ 0.50% · 4.625%
HK$91,506
+HK$5,248/mo
Deposit HK$17.80M · loan HK$17.80M · min. income ≈ HK$172,516/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,512,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,299
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,720
−HK$2,457/mo
Today · 4.125%
HK$95,177
baseline
▲ 0.50% · 4.625%
HK$100,194
+HK$5,017/mo
Deposit HK$17.80M · loan HK$17.80M · min. income ≈ HK$190,354/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,512,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,402
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,431
−HK$3,078/mo
Today · 4.125%
HK$103,509
baseline
▲ 0.50% · 4.625%
HK$109,808
+HK$6,299/mo
Deposit HK$14.24M · loan HK$21.36M · min. income ≈ HK$207,018/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,358
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$111,264
−HK$2,949/mo
Today · 4.125%
HK$114,213
baseline
▲ 0.50% · 4.625%
HK$120,233
+HK$6,020/mo
Deposit HK$14.24M · loan HK$21.36M · min. income ≈ HK$228,426/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,635
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$117,170
−HK$3,591/mo
Today · 4.125%
HK$120,761
baseline
▲ 0.50% · 4.625%
HK$128,109
+HK$7,348/mo
Deposit HK$10.68M · loan HK$24.92M · min. income ≈ HK$241,522/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,418
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$129,808
−HK$3,440/mo
Today · 4.125%
HK$133,248
baseline
▲ 0.50% · 4.625%
HK$140,272
+HK$7,024/mo
Deposit HK$10.68M · loan HK$24.92M · min. income ≈ HK$266,496/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,102
−HK$9,162/mo
▼ 0.25% · 3.875%
HK$150,647
−HK$4,617/mo
Today · 4.125%
HK$155,264
baseline
▲ 0.50% · 4.625%
HK$164,712
+HK$9,448/mo
Deposit HK$3.56M · loan HK$32.04M · min. income ≈ HK$310,528/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,537
−HK$8,782/mo
▼ 0.25% · 3.875%
HK$166,897
−HK$4,422/mo
Today · 4.125%
HK$171,319
baseline
▲ 0.50% · 4.625%
HK$180,349
+HK$9,030/mo
Deposit HK$3.56M · loan HK$32.04M · min. income ≈ HK$342,638/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,830 · Scale 2, in force from 26 Feb 2026)