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$81,430
−HK$5,107/mo
▼ 0.25% · 3.875%
HK$83,963
−HK$2,574/mo
Today · 4.125%
HK$86,537
baseline
▲ 0.50% · 4.625%
HK$91,802
+HK$5,265/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$173,074/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,590
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$93,020
−HK$2,465/mo
Today · 4.125%
HK$95,485
baseline
▲ 0.50% · 4.625%
HK$100,518
+HK$5,033/mo
Deposit HK$17.86M · loan HK$17.86M · min. income ≈ HK$190,970/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,716
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,756
−HK$3,088/mo
Today · 4.125%
HK$103,844
baseline
▲ 0.50% · 4.625%
HK$110,163
+HK$6,319/mo
Deposit HK$14.28M · loan HK$21.43M · min. income ≈ HK$207,688/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,708
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,624
−HK$2,958/mo
Today · 4.125%
HK$114,582
baseline
▲ 0.50% · 4.625%
HK$120,621
+HK$6,039/mo
Deposit HK$14.28M · loan HK$21.43M · min. income ≈ HK$229,164/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,002
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$117,548
−HK$3,603/mo
Today · 4.125%
HK$121,151
baseline
▲ 0.50% · 4.625%
HK$128,523
+HK$7,372/mo
Deposit HK$10.71M · loan HK$25.00M · min. income ≈ HK$242,302/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,826
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$130,228
−HK$3,450/mo
Today · 4.125%
HK$133,678
baseline
▲ 0.50% · 4.625%
HK$140,725
+HK$7,047/mo
Deposit HK$10.71M · loan HK$25.00M · min. income ≈ HK$267,356/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,574
−HK$9,192/mo
▼ 0.25% · 3.875%
HK$151,134
−HK$4,632/mo
Today · 4.125%
HK$155,766
baseline
▲ 0.50% · 4.625%
HK$165,244
+HK$9,478/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$311,532/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,063
−HK$8,809/mo
▼ 0.25% · 3.875%
HK$167,436
−HK$4,436/mo
Today · 4.125%
HK$171,872
baseline
▲ 0.50% · 4.625%
HK$180,932
+HK$9,060/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$343,744/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,718 · Scale 2, in force from 26 Feb 2026)