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$81,159
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$83,684
−HK$2,564/mo
Today · 4.125%
HK$86,248
baseline
▲ 0.50% · 4.625%
HK$91,496
+HK$5,248/mo
Deposit HK$17.80M · loan HK$17.80M · min. income ≈ HK$172,496/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,512,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,289
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$92,710
−HK$2,457/mo
Today · 4.125%
HK$95,167
baseline
▲ 0.50% · 4.625%
HK$100,183
+HK$5,016/mo
Deposit HK$17.80M · loan HK$17.80M · min. income ≈ HK$190,334/mo (50% DSR)
Upfront cash ≈ HK$19.31M (deposit + AVD stamp duty HK$1,512,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,391
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$100,420
−HK$3,078/mo
Today · 4.125%
HK$103,498
baseline
▲ 0.50% · 4.625%
HK$109,796
+HK$6,298/mo
Deposit HK$14.24M · loan HK$21.36M · min. income ≈ HK$206,996/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,346
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$111,252
−HK$2,948/mo
Today · 4.125%
HK$114,200
baseline
▲ 0.50% · 4.625%
HK$120,220
+HK$6,020/mo
Deposit HK$14.24M · loan HK$21.36M · min. income ≈ HK$228,400/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,512,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,623
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$117,157
−HK$3,591/mo
Today · 4.125%
HK$120,748
baseline
▲ 0.50% · 4.625%
HK$128,095
+HK$7,347/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$241,496/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,404
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$129,794
−HK$3,439/mo
Today · 4.125%
HK$133,233
baseline
▲ 0.50% · 4.625%
HK$140,256
+HK$7,023/mo
Deposit HK$10.68M · loan HK$24.91M · min. income ≈ HK$266,466/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,512,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,086
−HK$9,161/mo
▼ 0.25% · 3.875%
HK$150,630
−HK$4,617/mo
Today · 4.125%
HK$155,247
baseline
▲ 0.50% · 4.625%
HK$164,694
+HK$9,447/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$310,494/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,520
−HK$8,780/mo
▼ 0.25% · 3.875%
HK$166,878
−HK$4,422/mo
Today · 4.125%
HK$171,300
baseline
▲ 0.50% · 4.625%
HK$180,330
+HK$9,030/mo
Deposit HK$3.56M · loan HK$32.03M · min. income ≈ HK$342,600/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,512,664 · Scale 2, in force from 26 Feb 2026)