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$80,943
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$83,461
−HK$2,558/mo
Today · 4.125%
HK$86,019
baseline
▲ 0.50% · 4.625%
HK$91,253
+HK$5,234/mo
Deposit HK$17.75M · loan HK$17.75M · min. income ≈ HK$172,038/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,508,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,049
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,464
−HK$2,450/mo
Today · 4.125%
HK$94,914
baseline
▲ 0.50% · 4.625%
HK$99,917
+HK$5,003/mo
Deposit HK$17.75M · loan HK$17.75M · min. income ≈ HK$189,828/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,508,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,132
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,153
−HK$3,070/mo
Today · 4.125%
HK$103,223
baseline
▲ 0.50% · 4.625%
HK$109,504
+HK$6,281/mo
Deposit HK$14.20M · loan HK$21.30M · min. income ≈ HK$206,446/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,508,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,058
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,956
−HK$2,940/mo
Today · 4.125%
HK$113,896
baseline
▲ 0.50% · 4.625%
HK$119,900
+HK$6,004/mo
Deposit HK$14.20M · loan HK$21.30M · min. income ≈ HK$227,792/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,508,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,320
−HK$7,107/mo
▼ 0.25% · 3.875%
HK$116,845
−HK$3,582/mo
Today · 4.125%
HK$120,427
baseline
▲ 0.50% · 4.625%
HK$127,754
+HK$7,327/mo
Deposit HK$10.65M · loan HK$24.85M · min. income ≈ HK$240,854/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,508,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,068
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$129,449
−HK$3,430/mo
Today · 4.125%
HK$132,879
baseline
▲ 0.50% · 4.625%
HK$139,883
+HK$7,004/mo
Deposit HK$10.65M · loan HK$24.85M · min. income ≈ HK$265,758/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,508,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,698
−HK$9,136/mo
▼ 0.25% · 3.875%
HK$150,230
−HK$4,604/mo
Today · 4.125%
HK$154,834
baseline
▲ 0.50% · 4.625%
HK$164,256
+HK$9,422/mo
Deposit HK$3.55M · loan HK$31.95M · min. income ≈ HK$309,668/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,508,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,087
−HK$8,757/mo
▼ 0.25% · 3.875%
HK$166,434
−HK$4,410/mo
Today · 4.125%
HK$170,844
baseline
▲ 0.50% · 4.625%
HK$179,850
+HK$9,006/mo
Deposit HK$3.55M · loan HK$31.95M · min. income ≈ HK$341,688/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,508,641 · Scale 2, in force from 26 Feb 2026)