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$81,468
−HK$5,109/mo
▼ 0.25% · 3.875%
HK$84,003
−HK$2,574/mo
Today · 4.125%
HK$86,577
baseline
▲ 0.50% · 4.625%
HK$91,845
+HK$5,268/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$173,154/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,518,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,633
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,064
−HK$2,465/mo
Today · 4.125%
HK$95,529
baseline
▲ 0.50% · 4.625%
HK$100,565
+HK$5,036/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$191,058/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,518,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,762
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,803
−HK$3,090/mo
Today · 4.125%
HK$103,893
baseline
▲ 0.50% · 4.625%
HK$110,214
+HK$6,321/mo
Deposit HK$14.29M · loan HK$21.44M · min. income ≈ HK$207,786/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,759
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,676
−HK$2,959/mo
Today · 4.125%
HK$114,635
baseline
▲ 0.50% · 4.625%
HK$120,678
+HK$6,043/mo
Deposit HK$14.29M · loan HK$21.44M · min. income ≈ HK$229,270/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,056
−HK$7,152/mo
▼ 0.25% · 3.875%
HK$117,604
−HK$3,604/mo
Today · 4.125%
HK$121,208
baseline
▲ 0.50% · 4.625%
HK$128,583
+HK$7,375/mo
Deposit HK$10.72M · loan HK$25.01M · min. income ≈ HK$242,416/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,518,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,886
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$130,289
−HK$3,452/mo
Today · 4.125%
HK$133,741
baseline
▲ 0.50% · 4.625%
HK$140,791
+HK$7,050/mo
Deposit HK$10.72M · loan HK$25.01M · min. income ≈ HK$267,482/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,518,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,643
−HK$9,196/mo
▼ 0.25% · 3.875%
HK$151,205
−HK$4,634/mo
Today · 4.125%
HK$155,839
baseline
▲ 0.50% · 4.625%
HK$165,321
+HK$9,482/mo
Deposit HK$3.57M · loan HK$32.15M · min. income ≈ HK$311,678/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,139
−HK$8,814/mo
▼ 0.25% · 3.875%
HK$167,514
−HK$4,439/mo
Today · 4.125%
HK$171,953
baseline
▲ 0.50% · 4.625%
HK$181,017
+HK$9,064/mo
Deposit HK$3.57M · loan HK$32.15M · min. income ≈ HK$343,906/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,430 · Scale 2, in force from 26 Feb 2026)