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$80,933
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,451
−HK$2,557/mo
Today · 4.125%
HK$86,008
baseline
▲ 0.50% · 4.625%
HK$91,242
+HK$5,234/mo
Deposit HK$17.75M · loan HK$17.75M · min. income ≈ HK$172,016/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,508,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,037
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,452
−HK$2,450/mo
Today · 4.125%
HK$94,902
baseline
▲ 0.50% · 4.625%
HK$99,904
+HK$5,002/mo
Deposit HK$17.75M · loan HK$17.75M · min. income ≈ HK$189,804/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,508,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,120
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,141
−HK$3,069/mo
Today · 4.125%
HK$103,210
baseline
▲ 0.50% · 4.625%
HK$109,490
+HK$6,280/mo
Deposit HK$14.20M · loan HK$21.30M · min. income ≈ HK$206,420/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,508,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,045
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,943
−HK$2,939/mo
Today · 4.125%
HK$113,882
baseline
▲ 0.50% · 4.625%
HK$119,885
+HK$6,003/mo
Deposit HK$14.20M · loan HK$21.30M · min. income ≈ HK$227,764/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,508,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,307
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$116,831
−HK$3,581/mo
Today · 4.125%
HK$120,412
baseline
▲ 0.50% · 4.625%
HK$127,739
+HK$7,327/mo
Deposit HK$10.65M · loan HK$24.85M · min. income ≈ HK$240,824/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,508,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,052
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$129,433
−HK$3,430/mo
Today · 4.125%
HK$132,863
baseline
▲ 0.50% · 4.625%
HK$139,866
+HK$7,003/mo
Deposit HK$10.65M · loan HK$24.85M · min. income ≈ HK$265,726/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,508,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,680
−HK$9,135/mo
▼ 0.25% · 3.875%
HK$150,211
−HK$4,604/mo
Today · 4.125%
HK$154,815
baseline
▲ 0.50% · 4.625%
HK$164,235
+HK$9,420/mo
Deposit HK$3.55M · loan HK$31.94M · min. income ≈ HK$309,630/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,508,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,067
−HK$8,756/mo
▼ 0.25% · 3.875%
HK$166,414
−HK$4,409/mo
Today · 4.125%
HK$170,823
baseline
▲ 0.50% · 4.625%
HK$179,828
+HK$9,005/mo
Deposit HK$3.55M · loan HK$31.94M · min. income ≈ HK$341,646/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,508,454 · Scale 2, in force from 26 Feb 2026)