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$80,958
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,476
−HK$2,559/mo
Today · 4.125%
HK$86,035
baseline
▲ 0.50% · 4.625%
HK$91,270
+HK$5,235/mo
Deposit HK$17.75M · loan HK$17.75M · min. income ≈ HK$172,070/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,508,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,065
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,481
−HK$2,450/mo
Today · 4.125%
HK$94,931
baseline
▲ 0.50% · 4.625%
HK$99,935
+HK$5,004/mo
Deposit HK$17.75M · loan HK$17.75M · min. income ≈ HK$189,862/mo (50% DSR)
Upfront cash ≈ HK$19.26M (deposit + AVD stamp duty HK$1,508,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,150
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$100,172
−HK$3,070/mo
Today · 4.125%
HK$103,242
baseline
▲ 0.50% · 4.625%
HK$109,524
+HK$6,282/mo
Deposit HK$14.20M · loan HK$21.30M · min. income ≈ HK$206,484/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,508,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,078
−HK$5,839/mo
▼ 0.25% · 3.875%
HK$110,977
−HK$2,940/mo
Today · 4.125%
HK$113,917
baseline
▲ 0.50% · 4.625%
HK$119,922
+HK$6,005/mo
Deposit HK$14.20M · loan HK$21.30M · min. income ≈ HK$227,834/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,508,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,341
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,867
−HK$3,582/mo
Today · 4.125%
HK$120,449
baseline
▲ 0.50% · 4.625%
HK$127,778
+HK$7,329/mo
Deposit HK$10.65M · loan HK$24.85M · min. income ≈ HK$240,898/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,508,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,091
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$129,473
−HK$3,430/mo
Today · 4.125%
HK$132,903
baseline
▲ 0.50% · 4.625%
HK$139,909
+HK$7,006/mo
Deposit HK$10.65M · loan HK$24.85M · min. income ≈ HK$265,806/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,508,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,725
−HK$9,138/mo
▼ 0.25% · 3.875%
HK$150,258
−HK$4,605/mo
Today · 4.125%
HK$154,863
baseline
▲ 0.50% · 4.625%
HK$164,286
+HK$9,423/mo
Deposit HK$3.55M · loan HK$31.95M · min. income ≈ HK$309,726/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,508,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,117
−HK$8,759/mo
▼ 0.25% · 3.875%
HK$166,465
−HK$4,411/mo
Today · 4.125%
HK$170,876
baseline
▲ 0.50% · 4.625%
HK$179,883
+HK$9,007/mo
Deposit HK$3.55M · loan HK$31.95M · min. income ≈ HK$341,752/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,508,919 · Scale 2, in force from 26 Feb 2026)