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$81,404
−HK$5,105/mo
▼ 0.25% · 3.875%
HK$83,936
−HK$2,573/mo
Today · 4.125%
HK$86,509
baseline
▲ 0.50% · 4.625%
HK$91,773
+HK$5,264/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$173,018/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,562
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$92,990
−HK$2,464/mo
Today · 4.125%
HK$95,454
baseline
▲ 0.50% · 4.625%
HK$100,486
+HK$5,032/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$190,908/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,685
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,724
−HK$3,087/mo
Today · 4.125%
HK$103,811
baseline
▲ 0.50% · 4.625%
HK$110,128
+HK$6,317/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$207,622/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,674
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,588
−HK$2,957/mo
Today · 4.125%
HK$114,545
baseline
▲ 0.50% · 4.625%
HK$120,583
+HK$6,038/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$229,090/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,966
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$117,511
−HK$3,602/mo
Today · 4.125%
HK$121,113
baseline
▲ 0.50% · 4.625%
HK$128,482
+HK$7,369/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$242,226/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,786
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$130,186
−HK$3,450/mo
Today · 4.125%
HK$133,636
baseline
▲ 0.50% · 4.625%
HK$140,680
+HK$7,044/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$267,272/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,528
−HK$9,188/mo
▼ 0.25% · 3.875%
HK$151,086
−HK$4,630/mo
Today · 4.125%
HK$155,716
baseline
▲ 0.50% · 4.625%
HK$165,191
+HK$9,475/mo
Deposit HK$3.57M · loan HK$32.13M · min. income ≈ HK$311,432/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,011
−HK$8,807/mo
▼ 0.25% · 3.875%
HK$167,383
−HK$4,435/mo
Today · 4.125%
HK$171,818
baseline
▲ 0.50% · 4.625%
HK$180,874
+HK$9,056/mo
Deposit HK$3.57M · loan HK$32.13M · min. income ≈ HK$343,636/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,235 · Scale 2, in force from 26 Feb 2026)