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$80,505
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$83,009
−HK$2,544/mo
Today · 4.125%
HK$85,553
baseline
▲ 0.50% · 4.625%
HK$90,759
+HK$5,206/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,106/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,561
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,963
−HK$2,436/mo
Today · 4.125%
HK$94,399
baseline
▲ 0.50% · 4.625%
HK$99,375
+HK$4,976/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,798/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,606
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,611
−HK$3,053/mo
Today · 4.125%
HK$102,664
baseline
▲ 0.50% · 4.625%
HK$108,911
+HK$6,247/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$205,328/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,473
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,355
−HK$2,924/mo
Today · 4.125%
HK$113,279
baseline
▲ 0.50% · 4.625%
HK$119,250
+HK$5,971/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$226,558/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,707
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$116,213
−HK$3,561/mo
Today · 4.125%
HK$119,774
baseline
▲ 0.50% · 4.625%
HK$127,062
+HK$7,288/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$239,548/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,385
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$128,748
−HK$3,411/mo
Today · 4.125%
HK$132,159
baseline
▲ 0.50% · 4.625%
HK$139,126
+HK$6,967/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$264,318/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,909
−HK$9,087/mo
▼ 0.25% · 3.875%
HK$149,416
−HK$4,580/mo
Today · 4.125%
HK$153,996
baseline
▲ 0.50% · 4.625%
HK$163,366
+HK$9,370/mo
Deposit HK$3.53M · loan HK$31.77M · min. income ≈ HK$307,992/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,209
−HK$8,710/mo
▼ 0.25% · 3.875%
HK$165,533
−HK$4,386/mo
Today · 4.125%
HK$169,919
baseline
▲ 0.50% · 4.625%
HK$178,876
+HK$8,957/mo
Deposit HK$3.53M · loan HK$31.77M · min. income ≈ HK$339,838/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,469 · Scale 2, in force from 26 Feb 2026)