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$81,723
−HK$5,125/mo
▼ 0.25% · 3.875%
HK$84,265
−HK$2,583/mo
Today · 4.125%
HK$86,848
baseline
▲ 0.50% · 4.625%
HK$92,132
+HK$5,284/mo
Deposit HK$17.92M · loan HK$17.92M · min. income ≈ HK$173,696/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,523,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,916
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,354
−HK$2,474/mo
Today · 4.125%
HK$95,828
baseline
▲ 0.50% · 4.625%
HK$100,879
+HK$5,051/mo
Deposit HK$17.92M · loan HK$17.92M · min. income ≈ HK$191,656/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,523,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,067
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,118
−HK$3,099/mo
Today · 4.125%
HK$104,217
baseline
▲ 0.50% · 4.625%
HK$110,559
+HK$6,342/mo
Deposit HK$14.34M · loan HK$21.50M · min. income ≈ HK$208,434/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,099
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,025
−HK$2,968/mo
Today · 4.125%
HK$114,993
baseline
▲ 0.50% · 4.625%
HK$121,055
+HK$6,062/mo
Deposit HK$14.34M · loan HK$21.50M · min. income ≈ HK$229,986/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,412
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$117,971
−HK$3,616/mo
Today · 4.125%
HK$121,587
baseline
▲ 0.50% · 4.625%
HK$128,985
+HK$7,398/mo
Deposit HK$10.75M · loan HK$25.09M · min. income ≈ HK$243,174/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,523,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,282
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$130,696
−HK$3,463/mo
Today · 4.125%
HK$134,159
baseline
▲ 0.50% · 4.625%
HK$141,231
+HK$7,072/mo
Deposit HK$10.75M · loan HK$25.09M · min. income ≈ HK$268,318/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,523,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,101
−HK$9,225/mo
▼ 0.25% · 3.875%
HK$151,677
−HK$4,649/mo
Today · 4.125%
HK$156,326
baseline
▲ 0.50% · 4.625%
HK$165,838
+HK$9,512/mo
Deposit HK$3.58M · loan HK$32.26M · min. income ≈ HK$312,652/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,649
−HK$8,841/mo
▼ 0.25% · 3.875%
HK$168,038
−HK$4,452/mo
Today · 4.125%
HK$172,490
baseline
▲ 0.50% · 4.625%
HK$181,582
+HK$9,092/mo
Deposit HK$3.58M · loan HK$32.26M · min. income ≈ HK$344,980/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,173 · Scale 2, in force from 26 Feb 2026)