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$80,538
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,044
−HK$2,545/mo
Today · 4.125%
HK$85,589
baseline
▲ 0.50% · 4.625%
HK$90,797
+HK$5,208/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$171,178/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,598
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,001
−HK$2,438/mo
Today · 4.125%
HK$94,439
baseline
▲ 0.50% · 4.625%
HK$99,417
+HK$4,978/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$188,878/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,646
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,652
−HK$3,055/mo
Today · 4.125%
HK$102,707
baseline
▲ 0.50% · 4.625%
HK$108,956
+HK$6,249/mo
Deposit HK$14.13M · loan HK$21.19M · min. income ≈ HK$205,414/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,518
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$110,401
−HK$2,926/mo
Today · 4.125%
HK$113,327
baseline
▲ 0.50% · 4.625%
HK$119,300
+HK$5,973/mo
Deposit HK$14.13M · loan HK$21.19M · min. income ≈ HK$226,654/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,754
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$116,261
−HK$3,563/mo
Today · 4.125%
HK$119,824
baseline
▲ 0.50% · 4.625%
HK$127,115
+HK$7,291/mo
Deposit HK$10.60M · loan HK$24.72M · min. income ≈ HK$239,648/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,437
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$128,801
−HK$3,413/mo
Today · 4.125%
HK$132,214
baseline
▲ 0.50% · 4.625%
HK$139,184
+HK$6,970/mo
Deposit HK$10.60M · loan HK$24.72M · min. income ≈ HK$264,428/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,969
−HK$9,091/mo
▼ 0.25% · 3.875%
HK$149,478
−HK$4,582/mo
Today · 4.125%
HK$154,060
baseline
▲ 0.50% · 4.625%
HK$163,434
+HK$9,374/mo
Deposit HK$3.53M · loan HK$31.79M · min. income ≈ HK$308,120/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,277
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$165,602
−HK$4,388/mo
Today · 4.125%
HK$169,990
baseline
▲ 0.50% · 4.625%
HK$178,950
+HK$8,960/mo
Deposit HK$3.53M · loan HK$31.79M · min. income ≈ HK$339,980/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,501,094 · Scale 2, in force from 26 Feb 2026)