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$80,839
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,354
−HK$2,555/mo
Today · 4.125%
HK$85,909
baseline
▲ 0.50% · 4.625%
HK$91,136
+HK$5,227/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$171,818/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,933
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,345
−HK$2,447/mo
Today · 4.125%
HK$94,792
baseline
▲ 0.50% · 4.625%
HK$99,788
+HK$4,996/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,584/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,007
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,025
−HK$3,065/mo
Today · 4.125%
HK$103,090
baseline
▲ 0.50% · 4.625%
HK$109,363
+HK$6,273/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,180/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,919
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,814
−HK$2,936/mo
Today · 4.125%
HK$113,750
baseline
▲ 0.50% · 4.625%
HK$119,746
+HK$5,996/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,500/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,175
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$116,695
−HK$3,577/mo
Today · 4.125%
HK$120,272
baseline
▲ 0.50% · 4.625%
HK$127,590
+HK$7,318/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$240,544/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,906
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$129,283
−HK$3,425/mo
Today · 4.125%
HK$132,708
baseline
▲ 0.50% · 4.625%
HK$139,704
+HK$6,996/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$265,416/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,511
−HK$9,125/mo
▼ 0.25% · 3.875%
HK$150,037
−HK$4,599/mo
Today · 4.125%
HK$154,636
baseline
▲ 0.50% · 4.625%
HK$164,045
+HK$9,409/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$309,272/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,879
−HK$8,746/mo
▼ 0.25% · 3.875%
HK$166,221
−HK$4,404/mo
Today · 4.125%
HK$170,625
baseline
▲ 0.50% · 4.625%
HK$179,619
+HK$8,994/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$341,250/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,704 · Scale 2, in force from 26 Feb 2026)