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$80,416
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,918
−HK$2,541/mo
Today · 4.125%
HK$85,459
baseline
▲ 0.50% · 4.625%
HK$90,659
+HK$5,200/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$170,918/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,462
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,862
−HK$2,434/mo
Today · 4.125%
HK$94,296
baseline
▲ 0.50% · 4.625%
HK$99,266
+HK$4,970/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$188,592/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,499
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,501
−HK$3,050/mo
Today · 4.125%
HK$102,551
baseline
▲ 0.50% · 4.625%
HK$108,791
+HK$6,240/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$205,102/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,498,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,355
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,234
−HK$2,921/mo
Today · 4.125%
HK$113,155
baseline
▲ 0.50% · 4.625%
HK$119,119
+HK$5,964/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$226,310/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,498,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,583
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$116,085
−HK$3,558/mo
Today · 4.125%
HK$119,643
baseline
▲ 0.50% · 4.625%
HK$126,923
+HK$7,280/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$239,286/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,247
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,606
−HK$3,408/mo
Today · 4.125%
HK$132,014
baseline
▲ 0.50% · 4.625%
HK$138,972
+HK$6,958/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$264,028/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,749
−HK$9,077/mo
▼ 0.25% · 3.875%
HK$149,252
−HK$4,574/mo
Today · 4.125%
HK$153,826
baseline
▲ 0.50% · 4.625%
HK$163,186
+HK$9,360/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$307,652/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,498,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,032
−HK$8,700/mo
▼ 0.25% · 3.875%
HK$165,351
−HK$4,381/mo
Today · 4.125%
HK$169,732
baseline
▲ 0.50% · 4.625%
HK$178,679
+HK$8,947/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$339,464/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,498,818 · Scale 2, in force from 26 Feb 2026)