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$80,503
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,007
−HK$2,545/mo
Today · 4.125%
HK$85,552
baseline
▲ 0.50% · 4.625%
HK$90,757
+HK$5,205/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,104/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,559
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,961
−HK$2,437/mo
Today · 4.125%
HK$94,398
baseline
▲ 0.50% · 4.625%
HK$99,374
+HK$4,976/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,796/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,604
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,609
−HK$3,053/mo
Today · 4.125%
HK$102,662
baseline
▲ 0.50% · 4.625%
HK$108,909
+HK$6,247/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$205,324/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,471
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,353
−HK$2,924/mo
Today · 4.125%
HK$113,277
baseline
▲ 0.50% · 4.625%
HK$119,248
+HK$5,971/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$226,554/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,705
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$116,210
−HK$3,562/mo
Today · 4.125%
HK$119,772
baseline
▲ 0.50% · 4.625%
HK$127,060
+HK$7,288/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$239,544/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,383
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$128,746
−HK$3,411/mo
Today · 4.125%
HK$132,157
baseline
▲ 0.50% · 4.625%
HK$139,123
+HK$6,966/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$264,314/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,906
−HK$9,087/mo
▼ 0.25% · 3.875%
HK$149,413
−HK$4,580/mo
Today · 4.125%
HK$153,993
baseline
▲ 0.50% · 4.625%
HK$163,363
+HK$9,370/mo
Deposit HK$3.53M · loan HK$31.77M · min. income ≈ HK$307,986/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,207
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$165,530
−HK$4,386/mo
Today · 4.125%
HK$169,916
baseline
▲ 0.50% · 4.625%
HK$178,873
+HK$8,957/mo
Deposit HK$3.53M · loan HK$31.77M · min. income ≈ HK$339,832/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,443 · Scale 2, in force from 26 Feb 2026)