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$80,589
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,096
−HK$2,547/mo
Today · 4.125%
HK$85,643
baseline
▲ 0.50% · 4.625%
HK$90,854
+HK$5,211/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$171,286/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,502,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,654
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,059
−HK$2,439/mo
Today · 4.125%
HK$94,498
baseline
▲ 0.50% · 4.625%
HK$99,479
+HK$4,981/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$188,996/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,502,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,707
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,715
−HK$3,056/mo
Today · 4.125%
HK$102,771
baseline
▲ 0.50% · 4.625%
HK$109,024
+HK$6,253/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$205,542/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,585
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$110,471
−HK$2,927/mo
Today · 4.125%
HK$113,398
baseline
▲ 0.50% · 4.625%
HK$119,375
+HK$5,977/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$226,796/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,824
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$116,334
−HK$3,566/mo
Today · 4.125%
HK$119,900
baseline
▲ 0.50% · 4.625%
HK$127,195
+HK$7,295/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$239,800/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,502,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,516
−HK$6,781/mo
▼ 0.25% · 3.875%
HK$128,882
−HK$3,415/mo
Today · 4.125%
HK$132,297
baseline
▲ 0.50% · 4.625%
HK$139,271
+HK$6,974/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$264,594/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,502,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,060
−HK$9,097/mo
▼ 0.25% · 3.875%
HK$149,572
−HK$4,585/mo
Today · 4.125%
HK$154,157
baseline
▲ 0.50% · 4.625%
HK$163,537
+HK$9,380/mo
Deposit HK$3.53M · loan HK$31.81M · min. income ≈ HK$308,314/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,378
−HK$8,719/mo
▼ 0.25% · 3.875%
HK$165,706
−HK$4,391/mo
Today · 4.125%
HK$170,097
baseline
▲ 0.50% · 4.625%
HK$179,063
+HK$8,966/mo
Deposit HK$3.53M · loan HK$31.81M · min. income ≈ HK$340,194/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,037 · Scale 2, in force from 26 Feb 2026)