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$80,750
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,262
−HK$2,552/mo
Today · 4.125%
HK$85,814
baseline
▲ 0.50% · 4.625%
HK$91,035
+HK$5,221/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$171,628/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,505,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,833
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,243
−HK$2,444/mo
Today · 4.125%
HK$94,687
baseline
▲ 0.50% · 4.625%
HK$99,678
+HK$4,991/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$189,374/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,505,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,900
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,914
−HK$3,062/mo
Today · 4.125%
HK$102,976
baseline
▲ 0.50% · 4.625%
HK$109,242
+HK$6,266/mo
Deposit HK$14.17M · loan HK$21.25M · min. income ≈ HK$205,952/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,505,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,800
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,691
−HK$2,933/mo
Today · 4.125%
HK$113,624
baseline
▲ 0.50% · 4.625%
HK$119,613
+HK$5,989/mo
Deposit HK$14.17M · loan HK$21.25M · min. income ≈ HK$227,248/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,505,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,050
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$116,566
−HK$3,573/mo
Today · 4.125%
HK$120,139
baseline
▲ 0.50% · 4.625%
HK$127,449
+HK$7,310/mo
Deposit HK$10.62M · loan HK$24.79M · min. income ≈ HK$240,278/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,767
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$129,140
−HK$3,422/mo
Today · 4.125%
HK$132,562
baseline
▲ 0.50% · 4.625%
HK$139,549
+HK$6,987/mo
Deposit HK$10.62M · loan HK$24.79M · min. income ≈ HK$265,124/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,350
−HK$9,114/mo
▼ 0.25% · 3.875%
HK$149,871
−HK$4,593/mo
Today · 4.125%
HK$154,464
baseline
▲ 0.50% · 4.625%
HK$163,863
+HK$9,399/mo
Deposit HK$3.54M · loan HK$31.87M · min. income ≈ HK$308,928/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,700
−HK$8,736/mo
▼ 0.25% · 3.875%
HK$166,037
−HK$4,399/mo
Today · 4.125%
HK$170,436
baseline
▲ 0.50% · 4.625%
HK$179,420
+HK$8,984/mo
Deposit HK$3.54M · loan HK$31.87M · min. income ≈ HK$340,872/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,037 · Scale 2, in force from 26 Feb 2026)