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$81,432
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,965
−HK$2,574/mo
Today · 4.125%
HK$86,539
baseline
▲ 0.50% · 4.625%
HK$91,804
+HK$5,265/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$173,078/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,592
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,022
−HK$2,465/mo
Today · 4.125%
HK$95,487
baseline
▲ 0.50% · 4.625%
HK$100,520
+HK$5,033/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$190,974/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,718
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,758
−HK$3,088/mo
Today · 4.125%
HK$103,846
baseline
▲ 0.50% · 4.625%
HK$110,165
+HK$6,319/mo
Deposit HK$14.28M · loan HK$21.43M · min. income ≈ HK$207,692/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,711
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,626
−HK$2,958/mo
Today · 4.125%
HK$114,584
baseline
▲ 0.50% · 4.625%
HK$120,624
+HK$6,040/mo
Deposit HK$14.28M · loan HK$21.43M · min. income ≈ HK$229,168/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,005
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$117,551
−HK$3,603/mo
Today · 4.125%
HK$121,154
baseline
▲ 0.50% · 4.625%
HK$128,526
+HK$7,372/mo
Deposit HK$10.71M · loan HK$25.00M · min. income ≈ HK$242,308/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,829
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$130,231
−HK$3,450/mo
Today · 4.125%
HK$133,681
baseline
▲ 0.50% · 4.625%
HK$140,728
+HK$7,047/mo
Deposit HK$10.71M · loan HK$25.00M · min. income ≈ HK$267,362/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,578
−HK$9,191/mo
▼ 0.25% · 3.875%
HK$151,137
−HK$4,632/mo
Today · 4.125%
HK$155,769
baseline
▲ 0.50% · 4.625%
HK$165,248
+HK$9,479/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$311,538/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,066
−HK$8,810/mo
▼ 0.25% · 3.875%
HK$167,440
−HK$4,436/mo
Today · 4.125%
HK$171,876
baseline
▲ 0.50% · 4.625%
HK$180,936
+HK$9,060/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$343,752/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,752 · Scale 2, in force from 26 Feb 2026)