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$80,825
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,340
−HK$2,554/mo
Today · 4.125%
HK$85,894
baseline
▲ 0.50% · 4.625%
HK$91,120
+HK$5,226/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$171,788/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,917
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,329
−HK$2,446/mo
Today · 4.125%
HK$94,775
baseline
▲ 0.50% · 4.625%
HK$99,771
+HK$4,996/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$189,550/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,991
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$100,007
−HK$3,066/mo
Today · 4.125%
HK$103,073
baseline
▲ 0.50% · 4.625%
HK$109,344
+HK$6,271/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,146/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,506,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,901
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,795
−HK$2,936/mo
Today · 4.125%
HK$113,731
baseline
▲ 0.50% · 4.625%
HK$119,725
+HK$5,994/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,462/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,506,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,156
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$116,675
−HK$3,576/mo
Today · 4.125%
HK$120,251
baseline
▲ 0.50% · 4.625%
HK$127,568
+HK$7,317/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$240,502/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,884
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$129,261
−HK$3,425/mo
Today · 4.125%
HK$132,686
baseline
▲ 0.50% · 4.625%
HK$139,680
+HK$6,994/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$265,372/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,486
−HK$9,123/mo
▼ 0.25% · 3.875%
HK$150,011
−HK$4,598/mo
Today · 4.125%
HK$154,609
baseline
▲ 0.50% · 4.625%
HK$164,017
+HK$9,408/mo
Deposit HK$3.54M · loan HK$31.90M · min. income ≈ HK$309,218/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,851
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$166,192
−HK$4,404/mo
Today · 4.125%
HK$170,596
baseline
▲ 0.50% · 4.625%
HK$179,588
+HK$8,992/mo
Deposit HK$3.54M · loan HK$31.90M · min. income ≈ HK$341,192/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,445 · Scale 2, in force from 26 Feb 2026)