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$80,989
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,508
−HK$2,560/mo
Today · 4.125%
HK$86,068
baseline
▲ 0.50% · 4.625%
HK$91,305
+HK$5,237/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$172,136/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,099
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,516
−HK$2,451/mo
Today · 4.125%
HK$94,967
baseline
▲ 0.50% · 4.625%
HK$99,973
+HK$5,006/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$189,934/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,187
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,210
−HK$3,071/mo
Today · 4.125%
HK$103,281
baseline
▲ 0.50% · 4.625%
HK$109,565
+HK$6,284/mo
Deposit HK$14.21M · loan HK$21.31M · min. income ≈ HK$206,562/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,119
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,019
−HK$2,941/mo
Today · 4.125%
HK$113,960
baseline
▲ 0.50% · 4.625%
HK$119,967
+HK$6,007/mo
Deposit HK$14.21M · loan HK$21.31M · min. income ≈ HK$227,920/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,384
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$116,911
−HK$3,584/mo
Today · 4.125%
HK$120,495
baseline
▲ 0.50% · 4.625%
HK$127,826
+HK$7,331/mo
Deposit HK$10.66M · loan HK$24.86M · min. income ≈ HK$240,990/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,509,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,139
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$129,522
−HK$3,432/mo
Today · 4.125%
HK$132,954
baseline
▲ 0.50% · 4.625%
HK$139,962
+HK$7,008/mo
Deposit HK$10.66M · loan HK$24.86M · min. income ≈ HK$265,908/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,509,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,780
−HK$9,142/mo
▼ 0.25% · 3.875%
HK$150,315
−HK$4,607/mo
Today · 4.125%
HK$154,922
baseline
▲ 0.50% · 4.625%
HK$164,348
+HK$9,426/mo
Deposit HK$3.55M · loan HK$31.97M · min. income ≈ HK$309,844/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,179
−HK$8,762/mo
▼ 0.25% · 3.875%
HK$166,528
−HK$4,413/mo
Today · 4.125%
HK$170,941
baseline
▲ 0.50% · 4.625%
HK$179,951
+HK$9,010/mo
Deposit HK$3.55M · loan HK$31.97M · min. income ≈ HK$341,882/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,491 · Scale 2, in force from 26 Feb 2026)