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$81,445
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,978
−HK$2,574/mo
Today · 4.125%
HK$86,552
baseline
▲ 0.50% · 4.625%
HK$91,819
+HK$5,267/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$173,104/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,517,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,606
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,036
−HK$2,466/mo
Today · 4.125%
HK$95,502
baseline
▲ 0.50% · 4.625%
HK$100,536
+HK$5,034/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$191,004/mo (50% DSR)
Upfront cash ≈ HK$19.38M (deposit + AVD stamp duty HK$1,517,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,734
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,774
−HK$3,088/mo
Today · 4.125%
HK$103,862
baseline
▲ 0.50% · 4.625%
HK$110,182
+HK$6,320/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$207,724/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,728
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,644
−HK$2,958/mo
Today · 4.125%
HK$114,602
baseline
▲ 0.50% · 4.625%
HK$120,643
+HK$6,041/mo
Deposit HK$14.29M · loan HK$21.43M · min. income ≈ HK$229,204/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,023
−HK$7,150/mo
▼ 0.25% · 3.875%
HK$117,569
−HK$3,604/mo
Today · 4.125%
HK$121,173
baseline
▲ 0.50% · 4.625%
HK$128,546
+HK$7,373/mo
Deposit HK$10.72M · loan HK$25.00M · min. income ≈ HK$242,346/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,849
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$130,251
−HK$3,451/mo
Today · 4.125%
HK$133,702
baseline
▲ 0.50% · 4.625%
HK$140,750
+HK$7,048/mo
Deposit HK$10.72M · loan HK$25.00M · min. income ≈ HK$267,404/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,601
−HK$9,193/mo
▼ 0.25% · 3.875%
HK$151,161
−HK$4,633/mo
Today · 4.125%
HK$155,794
baseline
▲ 0.50% · 4.625%
HK$165,273
+HK$9,479/mo
Deposit HK$3.57M · loan HK$32.15M · min. income ≈ HK$311,588/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,092
−HK$8,811/mo
▼ 0.25% · 3.875%
HK$167,466
−HK$4,437/mo
Today · 4.125%
HK$171,903
baseline
▲ 0.50% · 4.625%
HK$180,964
+HK$9,061/mo
Deposit HK$3.57M · loan HK$32.15M · min. income ≈ HK$343,806/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,988 · Scale 2, in force from 26 Feb 2026)