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$80,852
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,367
−HK$2,555/mo
Today · 4.125%
HK$85,922
baseline
▲ 0.50% · 4.625%
HK$91,150
+HK$5,228/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$171,844/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,506,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,947
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,359
−HK$2,447/mo
Today · 4.125%
HK$94,806
baseline
▲ 0.50% · 4.625%
HK$99,804
+HK$4,998/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,612/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,506,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,022
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,040
−HK$3,066/mo
Today · 4.125%
HK$103,106
baseline
▲ 0.50% · 4.625%
HK$109,380
+HK$6,274/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,212/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,936
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,831
−HK$2,936/mo
Today · 4.125%
HK$113,767
baseline
▲ 0.50% · 4.625%
HK$119,764
+HK$5,997/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,534/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,192
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,713
−HK$3,577/mo
Today · 4.125%
HK$120,290
baseline
▲ 0.50% · 4.625%
HK$127,610
+HK$7,320/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$240,580/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,925
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$129,303
−HK$3,426/mo
Today · 4.125%
HK$132,729
baseline
▲ 0.50% · 4.625%
HK$139,725
+HK$6,996/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$265,458/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,533
−HK$9,126/mo
▼ 0.25% · 3.875%
HK$150,060
−HK$4,599/mo
Today · 4.125%
HK$154,659
baseline
▲ 0.50% · 4.625%
HK$164,070
+HK$9,411/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$309,318/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,904
−HK$8,747/mo
▼ 0.25% · 3.875%
HK$166,246
−HK$4,405/mo
Today · 4.125%
HK$170,651
baseline
▲ 0.50% · 4.625%
HK$179,646
+HK$8,995/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$341,302/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,934 · Scale 2, in force from 26 Feb 2026)