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$80,591
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,098
−HK$2,547/mo
Today · 4.125%
HK$85,645
baseline
▲ 0.50% · 4.625%
HK$90,857
+HK$5,212/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$171,290/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,502,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,657
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,062
−HK$2,439/mo
Today · 4.125%
HK$94,501
baseline
▲ 0.50% · 4.625%
HK$99,482
+HK$4,981/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$189,002/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,502,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,710
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,718
−HK$3,056/mo
Today · 4.125%
HK$102,774
baseline
▲ 0.50% · 4.625%
HK$109,028
+HK$6,254/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$205,548/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,589
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,474
−HK$2,927/mo
Today · 4.125%
HK$113,401
baseline
▲ 0.50% · 4.625%
HK$119,379
+HK$5,978/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$226,802/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,828
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$116,338
−HK$3,565/mo
Today · 4.125%
HK$119,903
baseline
▲ 0.50% · 4.625%
HK$127,199
+HK$7,296/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$239,806/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,520
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$128,886
−HK$3,415/mo
Today · 4.125%
HK$132,301
baseline
▲ 0.50% · 4.625%
HK$139,275
+HK$6,974/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$264,602/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,065
−HK$9,096/mo
▼ 0.25% · 3.875%
HK$149,577
−HK$4,584/mo
Today · 4.125%
HK$154,161
baseline
▲ 0.50% · 4.625%
HK$163,542
+HK$9,381/mo
Deposit HK$3.53M · loan HK$31.81M · min. income ≈ HK$308,322/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,383
−HK$8,719/mo
▼ 0.25% · 3.875%
HK$165,711
−HK$4,391/mo
Today · 4.125%
HK$170,102
baseline
▲ 0.50% · 4.625%
HK$179,068
+HK$8,966/mo
Deposit HK$3.53M · loan HK$31.81M · min. income ≈ HK$340,204/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,084 · Scale 2, in force from 26 Feb 2026)