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$80,277
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,774
−HK$2,537/mo
Today · 4.125%
HK$85,311
baseline
▲ 0.50% · 4.625%
HK$90,502
+HK$5,191/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$170,622/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,496,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,307
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,702
−HK$2,430/mo
Today · 4.125%
HK$94,132
baseline
▲ 0.50% · 4.625%
HK$99,094
+HK$4,962/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$188,264/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,496,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,332
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,329
−HK$3,044/mo
Today · 4.125%
HK$102,373
baseline
▲ 0.50% · 4.625%
HK$108,602
+HK$6,229/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$204,746/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,169
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,043
−HK$2,916/mo
Today · 4.125%
HK$112,959
baseline
▲ 0.50% · 4.625%
HK$118,913
+HK$5,954/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$225,918/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,387
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$115,883
−HK$3,552/mo
Today · 4.125%
HK$119,435
baseline
▲ 0.50% · 4.625%
HK$126,703
+HK$7,268/mo
Deposit HK$10.56M · loan HK$24.64M · min. income ≈ HK$238,870/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,030
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$128,383
−HK$3,402/mo
Today · 4.125%
HK$131,785
baseline
▲ 0.50% · 4.625%
HK$138,731
+HK$6,946/mo
Deposit HK$10.56M · loan HK$24.64M · min. income ≈ HK$263,570/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,498
−HK$9,062/mo
▼ 0.25% · 3.875%
HK$148,993
−HK$4,567/mo
Today · 4.125%
HK$153,560
baseline
▲ 0.50% · 4.625%
HK$162,903
+HK$9,343/mo
Deposit HK$3.52M · loan HK$31.68M · min. income ≈ HK$307,120/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,753
−HK$8,685/mo
▼ 0.25% · 3.875%
HK$165,064
−HK$4,374/mo
Today · 4.125%
HK$169,438
baseline
▲ 0.50% · 4.625%
HK$178,369
+HK$8,931/mo
Deposit HK$3.52M · loan HK$31.68M · min. income ≈ HK$338,876/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,219 · Scale 2, in force from 26 Feb 2026)