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$80,601
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,108
−HK$2,548/mo
Today · 4.125%
HK$85,656
baseline
▲ 0.50% · 4.625%
HK$90,868
+HK$5,212/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$171,312/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,668
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,073
−HK$2,440/mo
Today · 4.125%
HK$94,513
baseline
▲ 0.50% · 4.625%
HK$99,494
+HK$4,981/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$189,026/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,722
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,730
−HK$3,057/mo
Today · 4.125%
HK$102,787
baseline
▲ 0.50% · 4.625%
HK$109,041
+HK$6,254/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$205,574/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,602
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$110,488
−HK$2,927/mo
Today · 4.125%
HK$113,415
baseline
▲ 0.50% · 4.625%
HK$119,393
+HK$5,978/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$226,830/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,842
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$116,352
−HK$3,566/mo
Today · 4.125%
HK$119,918
baseline
▲ 0.50% · 4.625%
HK$127,215
+HK$7,297/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$239,836/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,535
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$128,902
−HK$3,416/mo
Today · 4.125%
HK$132,318
baseline
▲ 0.50% · 4.625%
HK$139,292
+HK$6,974/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$264,636/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,082
−HK$9,098/mo
▼ 0.25% · 3.875%
HK$149,595
−HK$4,585/mo
Today · 4.125%
HK$154,180
baseline
▲ 0.50% · 4.625%
HK$163,562
+HK$9,382/mo
Deposit HK$3.53M · loan HK$31.81M · min. income ≈ HK$308,360/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,403
−HK$8,720/mo
▼ 0.25% · 3.875%
HK$165,731
−HK$4,392/mo
Today · 4.125%
HK$170,123
baseline
▲ 0.50% · 4.625%
HK$179,090
+HK$8,967/mo
Deposit HK$3.53M · loan HK$31.81M · min. income ≈ HK$340,246/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,267 · Scale 2, in force from 26 Feb 2026)