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$81,387
−HK$5,103/mo
▼ 0.25% · 3.875%
HK$83,918
−HK$2,572/mo
Today · 4.125%
HK$86,490
baseline
▲ 0.50% · 4.625%
HK$91,753
+HK$5,263/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$172,980/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,542
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,970
−HK$2,464/mo
Today · 4.125%
HK$95,434
baseline
▲ 0.50% · 4.625%
HK$100,464
+HK$5,030/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$190,868/mo (50% DSR)
Upfront cash ≈ HK$19.36M (deposit + AVD stamp duty HK$1,516,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,664
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,702
−HK$3,087/mo
Today · 4.125%
HK$103,789
baseline
▲ 0.50% · 4.625%
HK$110,104
+HK$6,315/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$207,578/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,650
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,564
−HK$2,956/mo
Today · 4.125%
HK$114,520
baseline
▲ 0.50% · 4.625%
HK$120,557
+HK$6,037/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$229,040/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,516,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,942
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$117,486
−HK$3,601/mo
Today · 4.125%
HK$121,087
baseline
▲ 0.50% · 4.625%
HK$128,454
+HK$7,367/mo
Deposit HK$10.71M · loan HK$24.98M · min. income ≈ HK$242,174/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,759
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,158
−HK$3,449/mo
Today · 4.125%
HK$133,607
baseline
▲ 0.50% · 4.625%
HK$140,650
+HK$7,043/mo
Deposit HK$10.71M · loan HK$24.98M · min. income ≈ HK$267,214/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,516,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,496
−HK$9,187/mo
▼ 0.25% · 3.875%
HK$151,053
−HK$4,630/mo
Today · 4.125%
HK$155,683
baseline
▲ 0.50% · 4.625%
HK$165,156
+HK$9,473/mo
Deposit HK$3.57M · loan HK$32.12M · min. income ≈ HK$311,366/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,516,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,976
−HK$8,805/mo
▼ 0.25% · 3.875%
HK$167,346
−HK$4,435/mo
Today · 4.125%
HK$171,781
baseline
▲ 0.50% · 4.625%
HK$180,835
+HK$9,054/mo
Deposit HK$3.57M · loan HK$32.12M · min. income ≈ HK$343,562/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,516,908 · Scale 2, in force from 26 Feb 2026)