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$80,596
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,103
−HK$2,547/mo
Today · 4.125%
HK$85,650
baseline
▲ 0.50% · 4.625%
HK$90,861
+HK$5,211/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$171,300/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,502,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,662
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,067
−HK$2,439/mo
Today · 4.125%
HK$94,506
baseline
▲ 0.50% · 4.625%
HK$99,488
+HK$4,982/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$189,012/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,502,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,715
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,723
−HK$3,057/mo
Today · 4.125%
HK$102,780
baseline
▲ 0.50% · 4.625%
HK$109,034
+HK$6,254/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$205,560/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,594
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$110,480
−HK$2,927/mo
Today · 4.125%
HK$113,407
baseline
▲ 0.50% · 4.625%
HK$119,385
+HK$5,978/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$226,814/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,834
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$116,344
−HK$3,566/mo
Today · 4.125%
HK$119,910
baseline
▲ 0.50% · 4.625%
HK$127,206
+HK$7,296/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$239,820/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,527
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$128,893
−HK$3,415/mo
Today · 4.125%
HK$132,308
baseline
▲ 0.50% · 4.625%
HK$139,283
+HK$6,975/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$264,616/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,072
−HK$9,098/mo
▼ 0.25% · 3.875%
HK$149,585
−HK$4,585/mo
Today · 4.125%
HK$154,170
baseline
▲ 0.50% · 4.625%
HK$163,550
+HK$9,380/mo
Deposit HK$3.53M · loan HK$31.81M · min. income ≈ HK$308,340/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,391
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$165,720
−HK$4,391/mo
Today · 4.125%
HK$170,111
baseline
▲ 0.50% · 4.625%
HK$179,078
+HK$8,967/mo
Deposit HK$3.53M · loan HK$31.81M · min. income ≈ HK$340,222/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,164 · Scale 2, in force from 26 Feb 2026)