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$81,079
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,601
−HK$2,562/mo
Today · 4.125%
HK$86,163
baseline
▲ 0.50% · 4.625%
HK$91,406
+HK$5,243/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$172,326/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,511,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,199
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,619
−HK$2,454/mo
Today · 4.125%
HK$95,073
baseline
▲ 0.50% · 4.625%
HK$100,084
+HK$5,011/mo
Deposit HK$17.78M · loan HK$17.78M · min. income ≈ HK$190,146/mo (50% DSR)
Upfront cash ≈ HK$19.29M (deposit + AVD stamp duty HK$1,511,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,295
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,321
−HK$3,075/mo
Today · 4.125%
HK$103,396
baseline
▲ 0.50% · 4.625%
HK$109,687
+HK$6,291/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$206,792/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,511,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,239
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,142
−HK$2,945/mo
Today · 4.125%
HK$114,087
baseline
▲ 0.50% · 4.625%
HK$120,101
+HK$6,014/mo
Deposit HK$14.22M · loan HK$21.33M · min. income ≈ HK$228,174/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,511,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,510
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,041
−HK$3,587/mo
Today · 4.125%
HK$120,628
baseline
▲ 0.50% · 4.625%
HK$127,968
+HK$7,340/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$241,256/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,511,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,279
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,666
−HK$3,436/mo
Today · 4.125%
HK$133,102
baseline
▲ 0.50% · 4.625%
HK$140,118
+HK$7,016/mo
Deposit HK$10.67M · loan HK$24.89M · min. income ≈ HK$266,204/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,511,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,942
−HK$9,152/mo
▼ 0.25% · 3.875%
HK$150,482
−HK$4,612/mo
Today · 4.125%
HK$155,094
baseline
▲ 0.50% · 4.625%
HK$164,531
+HK$9,437/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$310,188/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,511,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,359
−HK$8,772/mo
▼ 0.25% · 3.875%
HK$166,713
−HK$4,418/mo
Today · 4.125%
HK$171,131
baseline
▲ 0.50% · 4.625%
HK$180,151
+HK$9,020/mo
Deposit HK$3.56M · loan HK$32.00M · min. income ≈ HK$342,262/mo (50% DSR)
Upfront cash ≈ HK$5.07M (deposit + AVD stamp duty HK$1,511,169 · Scale 2, in force from 26 Feb 2026)