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$80,333
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,832
−HK$2,539/mo
Today · 4.125%
HK$85,371
baseline
▲ 0.50% · 4.625%
HK$90,565
+HK$5,194/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$170,742/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,497,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,370
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,767
−HK$2,431/mo
Today · 4.125%
HK$94,198
baseline
▲ 0.50% · 4.625%
HK$99,164
+HK$4,966/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$188,396/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,497,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,400
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,398
−HK$3,047/mo
Today · 4.125%
HK$102,445
baseline
▲ 0.50% · 4.625%
HK$108,679
+HK$6,234/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$204,890/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,244
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,120
−HK$2,918/mo
Today · 4.125%
HK$113,038
baseline
▲ 0.50% · 4.625%
HK$118,996
+HK$5,958/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$226,076/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,467
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,965
−HK$3,554/mo
Today · 4.125%
HK$119,519
baseline
▲ 0.50% · 4.625%
HK$126,792
+HK$7,273/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$239,038/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,118
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,473
−HK$3,405/mo
Today · 4.125%
HK$131,878
baseline
▲ 0.50% · 4.625%
HK$138,829
+HK$6,951/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$263,756/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,600
−HK$9,068/mo
▼ 0.25% · 3.875%
HK$149,098
−HK$4,570/mo
Today · 4.125%
HK$153,668
baseline
▲ 0.50% · 4.625%
HK$163,018
+HK$9,350/mo
Deposit HK$3.52M · loan HK$31.71M · min. income ≈ HK$307,336/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,866
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$165,180
−HK$4,377/mo
Today · 4.125%
HK$169,557
baseline
▲ 0.50% · 4.625%
HK$178,495
+HK$8,938/mo
Deposit HK$3.52M · loan HK$31.71M · min. income ≈ HK$339,114/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,272 · Scale 2, in force from 26 Feb 2026)