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$80,727
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,238
−HK$2,552/mo
Today · 4.125%
HK$85,790
baseline
▲ 0.50% · 4.625%
HK$91,010
+HK$5,220/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$171,580/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,504,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,808
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,217
−HK$2,443/mo
Today · 4.125%
HK$94,660
baseline
▲ 0.50% · 4.625%
HK$99,650
+HK$4,990/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$189,320/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,504,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,873
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,886
−HK$3,062/mo
Today · 4.125%
HK$102,948
baseline
▲ 0.50% · 4.625%
HK$109,212
+HK$6,264/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$205,896/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,504,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,770
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,660
−HK$2,932/mo
Today · 4.125%
HK$113,592
baseline
▲ 0.50% · 4.625%
HK$119,580
+HK$5,988/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$227,184/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,504,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,018
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,534
−HK$3,571/mo
Today · 4.125%
HK$120,105
baseline
▲ 0.50% · 4.625%
HK$127,414
+HK$7,309/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$240,210/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,504,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,732
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$129,104
−HK$3,421/mo
Today · 4.125%
HK$132,525
baseline
▲ 0.50% · 4.625%
HK$139,510
+HK$6,985/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$265,050/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,504,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,309
−HK$9,112/mo
▼ 0.25% · 3.875%
HK$149,829
−HK$4,592/mo
Today · 4.125%
HK$154,421
baseline
▲ 0.50% · 4.625%
HK$163,818
+HK$9,397/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$308,842/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,655
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$165,991
−HK$4,398/mo
Today · 4.125%
HK$170,389
baseline
▲ 0.50% · 4.625%
HK$179,370
+HK$8,981/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$340,778/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,617 · Scale 2, in force from 26 Feb 2026)