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$80,726
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,237
−HK$2,551/mo
Today · 4.125%
HK$85,788
baseline
▲ 0.50% · 4.625%
HK$91,008
+HK$5,220/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$171,576/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,504,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,807
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,215
−HK$2,444/mo
Today · 4.125%
HK$94,659
baseline
▲ 0.50% · 4.625%
HK$99,648
+HK$4,989/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$189,318/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,504,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,871
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,884
−HK$3,062/mo
Today · 4.125%
HK$102,946
baseline
▲ 0.50% · 4.625%
HK$109,210
+HK$6,264/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$205,892/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,504,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,768
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,658
−HK$2,933/mo
Today · 4.125%
HK$113,591
baseline
▲ 0.50% · 4.625%
HK$119,578
+HK$5,987/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$227,182/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,504,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,016
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,532
−HK$3,571/mo
Today · 4.125%
HK$120,103
baseline
▲ 0.50% · 4.625%
HK$127,411
+HK$7,308/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$240,206/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,504,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,730
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,102
−HK$3,420/mo
Today · 4.125%
HK$132,522
baseline
▲ 0.50% · 4.625%
HK$139,508
+HK$6,986/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$265,044/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,504,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,307
−HK$9,112/mo
▼ 0.25% · 3.875%
HK$149,827
−HK$4,592/mo
Today · 4.125%
HK$154,419
baseline
▲ 0.50% · 4.625%
HK$163,815
+HK$9,396/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$308,838/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,652
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$165,988
−HK$4,398/mo
Today · 4.125%
HK$170,386
baseline
▲ 0.50% · 4.625%
HK$179,367
+HK$8,981/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$340,772/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,592 · Scale 2, in force from 26 Feb 2026)