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$80,522
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,026
−HK$2,545/mo
Today · 4.125%
HK$85,571
baseline
▲ 0.50% · 4.625%
HK$90,778
+HK$5,207/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$171,142/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,500,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,580
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,982
−HK$2,437/mo
Today · 4.125%
HK$94,419
baseline
▲ 0.50% · 4.625%
HK$99,396
+HK$4,977/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$188,838/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,500,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,626
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,632
−HK$3,053/mo
Today · 4.125%
HK$102,685
baseline
▲ 0.50% · 4.625%
HK$108,934
+HK$6,249/mo
Deposit HK$14.13M · loan HK$21.19M · min. income ≈ HK$205,370/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,500,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,496
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,379
−HK$2,924/mo
Today · 4.125%
HK$113,303
baseline
▲ 0.50% · 4.625%
HK$119,276
+HK$5,973/mo
Deposit HK$14.13M · loan HK$21.19M · min. income ≈ HK$226,606/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,500,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,730
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$116,237
−HK$3,563/mo
Today · 4.125%
HK$119,800
baseline
▲ 0.50% · 4.625%
HK$127,089
+HK$7,289/mo
Deposit HK$10.59M · loan HK$24.72M · min. income ≈ HK$239,600/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,411
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$128,775
−HK$3,412/mo
Today · 4.125%
HK$132,187
baseline
▲ 0.50% · 4.625%
HK$139,155
+HK$6,968/mo
Deposit HK$10.59M · loan HK$24.72M · min. income ≈ HK$264,374/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,939
−HK$9,089/mo
▼ 0.25% · 3.875%
HK$149,448
−HK$4,580/mo
Today · 4.125%
HK$154,028
baseline
▲ 0.50% · 4.625%
HK$163,400
+HK$9,372/mo
Deposit HK$3.53M · loan HK$31.78M · min. income ≈ HK$308,056/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,243
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$165,568
−HK$4,387/mo
Today · 4.125%
HK$169,955
baseline
▲ 0.50% · 4.625%
HK$178,913
+HK$8,958/mo
Deposit HK$3.53M · loan HK$31.78M · min. income ≈ HK$339,910/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,785 · Scale 2, in force from 26 Feb 2026)