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$80,508
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,012
−HK$2,545/mo
Today · 4.125%
HK$85,557
baseline
▲ 0.50% · 4.625%
HK$90,763
+HK$5,206/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,114/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,564
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,967
−HK$2,436/mo
Today · 4.125%
HK$94,403
baseline
▲ 0.50% · 4.625%
HK$99,379
+HK$4,976/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,806/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,610
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,615
−HK$3,053/mo
Today · 4.125%
HK$102,668
baseline
▲ 0.50% · 4.625%
HK$108,915
+HK$6,247/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$205,336/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,477
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,360
−HK$2,924/mo
Today · 4.125%
HK$113,284
baseline
▲ 0.50% · 4.625%
HK$119,255
+HK$5,971/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$226,568/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,711
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$116,217
−HK$3,562/mo
Today · 4.125%
HK$119,779
baseline
▲ 0.50% · 4.625%
HK$127,068
+HK$7,289/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$239,558/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,390
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$128,753
−HK$3,412/mo
Today · 4.125%
HK$132,165
baseline
▲ 0.50% · 4.625%
HK$139,131
+HK$6,966/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$264,330/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,915
−HK$9,087/mo
▼ 0.25% · 3.875%
HK$149,422
−HK$4,580/mo
Today · 4.125%
HK$154,002
baseline
▲ 0.50% · 4.625%
HK$163,373
+HK$9,371/mo
Deposit HK$3.53M · loan HK$31.78M · min. income ≈ HK$308,004/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,216
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$165,540
−HK$4,386/mo
Today · 4.125%
HK$169,926
baseline
▲ 0.50% · 4.625%
HK$178,883
+HK$8,957/mo
Deposit HK$3.53M · loan HK$31.78M · min. income ≈ HK$339,852/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,531 · Scale 2, in force from 26 Feb 2026)