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$80,822
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,336
−HK$2,554/mo
Today · 4.125%
HK$85,890
baseline
▲ 0.50% · 4.625%
HK$91,116
+HK$5,226/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$171,780/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,914
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,325
−HK$2,446/mo
Today · 4.125%
HK$94,771
baseline
▲ 0.50% · 4.625%
HK$99,767
+HK$4,996/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$189,542/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,986
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$100,003
−HK$3,065/mo
Today · 4.125%
HK$103,068
baseline
▲ 0.50% · 4.625%
HK$109,340
+HK$6,272/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,136/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,506,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,896
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,790
−HK$2,936/mo
Today · 4.125%
HK$113,726
baseline
▲ 0.50% · 4.625%
HK$119,720
+HK$5,994/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,452/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,506,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,151
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$116,670
−HK$3,576/mo
Today · 4.125%
HK$120,246
baseline
▲ 0.50% · 4.625%
HK$127,563
+HK$7,317/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$240,492/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,879
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$129,255
−HK$3,425/mo
Today · 4.125%
HK$132,680
baseline
▲ 0.50% · 4.625%
HK$139,674
+HK$6,994/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$265,360/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,480
−HK$9,122/mo
▼ 0.25% · 3.875%
HK$150,005
−HK$4,597/mo
Today · 4.125%
HK$154,602
baseline
▲ 0.50% · 4.625%
HK$164,010
+HK$9,408/mo
Deposit HK$3.54M · loan HK$31.90M · min. income ≈ HK$309,204/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,845
−HK$8,744/mo
▼ 0.25% · 3.875%
HK$166,185
−HK$4,404/mo
Today · 4.125%
HK$170,589
baseline
▲ 0.50% · 4.625%
HK$179,581
+HK$8,992/mo
Deposit HK$3.54M · loan HK$31.90M · min. income ≈ HK$341,178/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,382 · Scale 2, in force from 26 Feb 2026)