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$1,506,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,947
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,359
−HK$2,448/mo
Today · 4.125%
HK$94,807
baseline
▲ 0.50% · 4.625%
HK$99,804
+HK$4,997/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,614/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,506,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,022
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,040
−HK$3,067/mo
Today · 4.125%
HK$103,107
baseline
▲ 0.50% · 4.625%
HK$109,380
+HK$6,273/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,214/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,936
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,831
−HK$2,937/mo
Today · 4.125%
HK$113,768
baseline
▲ 0.50% · 4.625%
HK$119,765
+HK$5,997/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,536/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,193
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,714
−HK$3,577/mo
Today · 4.125%
HK$120,291
baseline
▲ 0.50% · 4.625%
HK$127,610
+HK$7,319/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$240,582/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,926
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,303
−HK$3,426/mo
Today · 4.125%
HK$132,729
baseline
▲ 0.50% · 4.625%
HK$139,726
+HK$6,997/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$1,506,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,534
−HK$9,126/mo
▼ 0.25% · 3.875%
HK$150,061
−HK$4,599/mo
Today · 4.125%
HK$154,660
baseline
▲ 0.50% · 4.625%
HK$164,071
+HK$9,411/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$309,320/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,905
−HK$8,747/mo
▼ 0.25% · 3.875%
HK$166,247
−HK$4,405/mo
Today · 4.125%
HK$170,652
baseline
▲ 0.50% · 4.625%
HK$179,647
+HK$8,995/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$341,304/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,941 · Scale 2, in force from 26 Feb 2026)