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$81,451
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,984
−HK$2,574/mo
Today · 4.125%
HK$86,558
baseline
▲ 0.50% · 4.625%
HK$91,825
+HK$5,267/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$173,116/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,613
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,043
−HK$2,466/mo
Today · 4.125%
HK$95,509
baseline
▲ 0.50% · 4.625%
HK$100,543
+HK$5,034/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$191,018/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,741
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,781
−HK$3,089/mo
Today · 4.125%
HK$103,870
baseline
▲ 0.50% · 4.625%
HK$110,190
+HK$6,320/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$207,740/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,736
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,652
−HK$2,959/mo
Today · 4.125%
HK$114,611
baseline
▲ 0.50% · 4.625%
HK$120,652
+HK$6,041/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$229,222/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,031
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$117,578
−HK$3,604/mo
Today · 4.125%
HK$121,182
baseline
▲ 0.50% · 4.625%
HK$128,556
+HK$7,374/mo
Deposit HK$10.72M · loan HK$25.00M · min. income ≈ HK$242,364/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,858
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$130,261
−HK$3,451/mo
Today · 4.125%
HK$133,712
baseline
▲ 0.50% · 4.625%
HK$140,760
+HK$7,048/mo
Deposit HK$10.72M · loan HK$25.00M · min. income ≈ HK$267,424/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,611
−HK$9,194/mo
▼ 0.25% · 3.875%
HK$151,172
−HK$4,633/mo
Today · 4.125%
HK$155,805
baseline
▲ 0.50% · 4.625%
HK$165,286
+HK$9,481/mo
Deposit HK$3.57M · loan HK$32.15M · min. income ≈ HK$311,610/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,104
−HK$8,812/mo
▼ 0.25% · 3.875%
HK$167,478
−HK$4,438/mo
Today · 4.125%
HK$171,916
baseline
▲ 0.50% · 4.625%
HK$180,978
+HK$9,062/mo
Deposit HK$3.57M · loan HK$32.15M · min. income ≈ HK$343,832/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,101 · Scale 2, in force from 26 Feb 2026)