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$81,718
−HK$5,124/mo
▼ 0.25% · 3.875%
HK$84,260
−HK$2,582/mo
Today · 4.125%
HK$86,842
baseline
▲ 0.50% · 4.625%
HK$92,127
+HK$5,285/mo
Deposit HK$17.92M · loan HK$17.92M · min. income ≈ HK$173,684/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,523,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,910
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$93,349
−HK$2,473/mo
Today · 4.125%
HK$95,822
baseline
▲ 0.50% · 4.625%
HK$100,873
+HK$5,051/mo
Deposit HK$17.92M · loan HK$17.92M · min. income ≈ HK$191,644/mo (50% DSR)
Upfront cash ≈ HK$19.44M (deposit + AVD stamp duty HK$1,523,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,062
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,112
−HK$3,099/mo
Today · 4.125%
HK$104,211
baseline
▲ 0.50% · 4.625%
HK$110,552
+HK$6,341/mo
Deposit HK$14.33M · loan HK$21.50M · min. income ≈ HK$208,422/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,093
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,018
−HK$2,968/mo
Today · 4.125%
HK$114,986
baseline
▲ 0.50% · 4.625%
HK$121,048
+HK$6,062/mo
Deposit HK$14.33M · loan HK$21.50M · min. income ≈ HK$229,972/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,405
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$117,964
−HK$3,615/mo
Today · 4.125%
HK$121,579
baseline
▲ 0.50% · 4.625%
HK$128,977
+HK$7,398/mo
Deposit HK$10.75M · loan HK$25.09M · min. income ≈ HK$243,158/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,523,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,275
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$130,688
−HK$3,463/mo
Today · 4.125%
HK$134,151
baseline
▲ 0.50% · 4.625%
HK$141,222
+HK$7,071/mo
Deposit HK$10.75M · loan HK$25.09M · min. income ≈ HK$268,302/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,523,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,092
−HK$9,224/mo
▼ 0.25% · 3.875%
HK$151,668
−HK$4,648/mo
Today · 4.125%
HK$156,316
baseline
▲ 0.50% · 4.625%
HK$165,828
+HK$9,512/mo
Deposit HK$3.58M · loan HK$32.25M · min. income ≈ HK$312,632/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,639
−HK$8,841/mo
▼ 0.25% · 3.875%
HK$168,027
−HK$4,453/mo
Today · 4.125%
HK$172,480
baseline
▲ 0.50% · 4.625%
HK$181,571
+HK$9,091/mo
Deposit HK$3.58M · loan HK$32.25M · min. income ≈ HK$344,960/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,081 · Scale 2, in force from 26 Feb 2026)