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$81,752
−HK$5,126/mo
▼ 0.25% · 3.875%
HK$84,295
−HK$2,583/mo
Today · 4.125%
HK$86,878
baseline
▲ 0.50% · 4.625%
HK$92,164
+HK$5,286/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$173,756/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,948
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$93,387
−HK$2,474/mo
Today · 4.125%
HK$95,861
baseline
▲ 0.50% · 4.625%
HK$100,914
+HK$5,053/mo
Deposit HK$17.93M · loan HK$17.93M · min. income ≈ HK$191,722/mo (50% DSR)
Upfront cash ≈ HK$19.45M (deposit + AVD stamp duty HK$1,523,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,102
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,153
−HK$3,101/mo
Today · 4.125%
HK$104,254
baseline
▲ 0.50% · 4.625%
HK$110,597
+HK$6,343/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$208,508/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,137
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,064
−HK$2,970/mo
Today · 4.125%
HK$115,034
baseline
▲ 0.50% · 4.625%
HK$121,097
+HK$6,063/mo
Deposit HK$14.34M · loan HK$21.51M · min. income ≈ HK$230,068/mo (50% DSR)
Upfront cash ≈ HK$15.86M (deposit + AVD stamp duty HK$1,523,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,452
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$118,012
−HK$3,617/mo
Today · 4.125%
HK$121,629
baseline
▲ 0.50% · 4.625%
HK$129,030
+HK$7,401/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$243,258/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,327
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$130,742
−HK$3,464/mo
Today · 4.125%
HK$134,206
baseline
▲ 0.50% · 4.625%
HK$141,280
+HK$7,074/mo
Deposit HK$10.76M · loan HK$25.10M · min. income ≈ HK$268,412/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,523,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,153
−HK$9,228/mo
▼ 0.25% · 3.875%
HK$151,730
−HK$4,651/mo
Today · 4.125%
HK$156,381
baseline
▲ 0.50% · 4.625%
HK$165,896
+HK$9,515/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$312,762/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,706
−HK$8,845/mo
▼ 0.25% · 3.875%
HK$168,097
−HK$4,454/mo
Today · 4.125%
HK$172,551
baseline
▲ 0.50% · 4.625%
HK$181,646
+HK$9,095/mo
Deposit HK$3.59M · loan HK$32.27M · min. income ≈ HK$345,102/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$1,523,707 · Scale 2, in force from 26 Feb 2026)