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$80,827
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,341
−HK$2,555/mo
Today · 4.125%
HK$85,896
baseline
▲ 0.50% · 4.625%
HK$91,122
+HK$5,226/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$171,792/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,919
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,331
−HK$2,446/mo
Today · 4.125%
HK$94,777
baseline
▲ 0.50% · 4.625%
HK$99,773
+HK$4,996/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$189,554/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,993
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$100,010
−HK$3,065/mo
Today · 4.125%
HK$103,075
baseline
▲ 0.50% · 4.625%
HK$109,347
+HK$6,272/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,150/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,903
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,797
−HK$2,936/mo
Today · 4.125%
HK$113,733
baseline
▲ 0.50% · 4.625%
HK$119,728
+HK$5,995/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,466/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,158
−HK$7,096/mo
▼ 0.25% · 3.875%
HK$116,678
−HK$3,576/mo
Today · 4.125%
HK$120,254
baseline
▲ 0.50% · 4.625%
HK$127,571
+HK$7,317/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$240,508/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,887
−HK$6,801/mo
▼ 0.25% · 3.875%
HK$129,263
−HK$3,425/mo
Today · 4.125%
HK$132,688
baseline
▲ 0.50% · 4.625%
HK$139,683
+HK$6,995/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$265,376/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,489
−HK$9,123/mo
▼ 0.25% · 3.875%
HK$150,014
−HK$4,598/mo
Today · 4.125%
HK$154,612
baseline
▲ 0.50% · 4.625%
HK$164,020
+HK$9,408/mo
Deposit HK$3.54M · loan HK$31.90M · min. income ≈ HK$309,224/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,855
−HK$8,744/mo
▼ 0.25% · 3.875%
HK$166,196
−HK$4,403/mo
Today · 4.125%
HK$170,599
baseline
▲ 0.50% · 4.625%
HK$179,592
+HK$8,993/mo
Deposit HK$3.54M · loan HK$31.90M · min. income ≈ HK$341,198/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,478 · Scale 2, in force from 26 Feb 2026)