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$80,794
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,307
−HK$2,553/mo
Today · 4.125%
HK$85,860
baseline
▲ 0.50% · 4.625%
HK$91,085
+HK$5,225/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$171,720/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,882
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,293
−HK$2,445/mo
Today · 4.125%
HK$94,738
baseline
▲ 0.50% · 4.625%
HK$99,732
+HK$4,994/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$189,476/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,953
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,968
−HK$3,064/mo
Today · 4.125%
HK$103,032
baseline
▲ 0.50% · 4.625%
HK$109,302
+HK$6,270/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$206,064/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,859
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,752
−HK$2,934/mo
Today · 4.125%
HK$113,686
baseline
▲ 0.50% · 4.625%
HK$119,679
+HK$5,993/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$227,372/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,111
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$116,630
−HK$3,575/mo
Today · 4.125%
HK$120,205
baseline
▲ 0.50% · 4.625%
HK$127,519
+HK$7,314/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$240,410/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,505,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,835
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$129,210
−HK$3,424/mo
Today · 4.125%
HK$132,634
baseline
▲ 0.50% · 4.625%
HK$139,625
+HK$6,991/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$265,268/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,505,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,429
−HK$9,120/mo
▼ 0.25% · 3.875%
HK$149,953
−HK$4,596/mo
Today · 4.125%
HK$154,549
baseline
▲ 0.50% · 4.625%
HK$163,953
+HK$9,404/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$309,098/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,788
−HK$8,741/mo
▼ 0.25% · 3.875%
HK$166,127
−HK$4,402/mo
Today · 4.125%
HK$170,529
baseline
▲ 0.50% · 4.625%
HK$179,518
+HK$8,989/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$341,058/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,857 · Scale 2, in force from 26 Feb 2026)