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$81,447
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,980
−HK$2,574/mo
Today · 4.125%
HK$86,554
baseline
▲ 0.50% · 4.625%
HK$91,821
+HK$5,267/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$173,108/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,518,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,609
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,039
−HK$2,465/mo
Today · 4.125%
HK$95,504
baseline
▲ 0.50% · 4.625%
HK$100,538
+HK$5,034/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$191,008/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,518,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,736
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,776
−HK$3,089/mo
Today · 4.125%
HK$103,865
baseline
▲ 0.50% · 4.625%
HK$110,185
+HK$6,320/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$207,730/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,731
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,647
−HK$2,958/mo
Today · 4.125%
HK$114,605
baseline
▲ 0.50% · 4.625%
HK$120,646
+HK$6,041/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$229,210/mo (50% DSR)
Upfront cash ≈ HK$15.81M (deposit + AVD stamp duty HK$1,518,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,026
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$117,572
−HK$3,604/mo
Today · 4.125%
HK$121,176
baseline
▲ 0.50% · 4.625%
HK$128,549
+HK$7,373/mo
Deposit HK$10.72M · loan HK$25.00M · min. income ≈ HK$242,352/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,518,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,852
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$130,254
−HK$3,452/mo
Today · 4.125%
HK$133,706
baseline
▲ 0.50% · 4.625%
HK$140,754
+HK$7,048/mo
Deposit HK$10.72M · loan HK$25.00M · min. income ≈ HK$267,412/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,518,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,604
−HK$9,194/mo
▼ 0.25% · 3.875%
HK$151,165
−HK$4,633/mo
Today · 4.125%
HK$155,798
baseline
▲ 0.50% · 4.625%
HK$165,278
+HK$9,480/mo
Deposit HK$3.57M · loan HK$32.15M · min. income ≈ HK$311,596/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,096
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$167,470
−HK$4,437/mo
Today · 4.125%
HK$171,907
baseline
▲ 0.50% · 4.625%
HK$180,969
+HK$9,062/mo
Deposit HK$3.57M · loan HK$32.15M · min. income ≈ HK$343,814/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,518,028 · Scale 2, in force from 26 Feb 2026)