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$80,653
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,162
−HK$2,549/mo
Today · 4.125%
HK$85,711
baseline
▲ 0.50% · 4.625%
HK$90,926
+HK$5,215/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$171,422/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,726
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,132
−HK$2,441/mo
Today · 4.125%
HK$94,573
baseline
▲ 0.50% · 4.625%
HK$99,558
+HK$4,985/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$189,146/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,783
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,794
−HK$3,059/mo
Today · 4.125%
HK$102,853
baseline
▲ 0.50% · 4.625%
HK$109,111
+HK$6,258/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$205,706/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,671
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,558
−HK$2,930/mo
Today · 4.125%
HK$113,488
baseline
▲ 0.50% · 4.625%
HK$119,470
+HK$5,982/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$226,976/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,914
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$116,426
−HK$3,569/mo
Today · 4.125%
HK$119,995
baseline
▲ 0.50% · 4.625%
HK$127,296
+HK$7,301/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$239,990/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,503,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,616
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$128,985
−HK$3,417/mo
Today · 4.125%
HK$132,402
baseline
▲ 0.50% · 4.625%
HK$139,381
+HK$6,979/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$264,804/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,503,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,175
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$149,691
−HK$4,588/mo
Today · 4.125%
HK$154,279
baseline
▲ 0.50% · 4.625%
HK$163,666
+HK$9,387/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$308,558/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,506
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$165,837
−HK$4,395/mo
Today · 4.125%
HK$170,232
baseline
▲ 0.50% · 4.625%
HK$179,205
+HK$8,973/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$340,464/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,229 · Scale 2, in force from 26 Feb 2026)