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$81,421
−HK$5,106/mo
▼ 0.25% · 3.875%
HK$83,954
−HK$2,573/mo
Today · 4.125%
HK$86,527
baseline
▲ 0.50% · 4.625%
HK$91,792
+HK$5,265/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$173,054/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,580
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$93,010
−HK$2,464/mo
Today · 4.125%
HK$95,474
baseline
▲ 0.50% · 4.625%
HK$100,507
+HK$5,033/mo
Deposit HK$17.85M · loan HK$17.85M · min. income ≈ HK$190,948/mo (50% DSR)
Upfront cash ≈ HK$19.37M (deposit + AVD stamp duty HK$1,517,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,706
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,745
−HK$3,088/mo
Today · 4.125%
HK$103,833
baseline
▲ 0.50% · 4.625%
HK$110,151
+HK$6,318/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$207,666/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,696
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,612
−HK$2,957/mo
Today · 4.125%
HK$114,569
baseline
▲ 0.50% · 4.625%
HK$120,608
+HK$6,039/mo
Deposit HK$14.28M · loan HK$21.42M · min. income ≈ HK$229,138/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,517,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,990
−HK$7,148/mo
▼ 0.25% · 3.875%
HK$117,536
−HK$3,602/mo
Today · 4.125%
HK$121,138
baseline
▲ 0.50% · 4.625%
HK$128,509
+HK$7,371/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$242,276/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,813
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$130,214
−HK$3,450/mo
Today · 4.125%
HK$133,664
baseline
▲ 0.50% · 4.625%
HK$140,709
+HK$7,045/mo
Deposit HK$10.71M · loan HK$24.99M · min. income ≈ HK$267,328/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,517,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,558
−HK$9,191/mo
▼ 0.25% · 3.875%
HK$151,117
−HK$4,632/mo
Today · 4.125%
HK$155,749
baseline
▲ 0.50% · 4.625%
HK$165,226
+HK$9,477/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$311,498/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,045
−HK$8,808/mo
▼ 0.25% · 3.875%
HK$167,417
−HK$4,436/mo
Today · 4.125%
HK$171,853
baseline
▲ 0.50% · 4.625%
HK$180,912
+HK$9,059/mo
Deposit HK$3.57M · loan HK$32.14M · min. income ≈ HK$343,706/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$1,517,552 · Scale 2, in force from 26 Feb 2026)