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$80,619
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,127
−HK$2,548/mo
Today · 4.125%
HK$85,675
baseline
▲ 0.50% · 4.625%
HK$90,888
+HK$5,213/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$171,350/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,688
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,094
−HK$2,440/mo
Today · 4.125%
HK$94,534
baseline
▲ 0.50% · 4.625%
HK$99,517
+HK$4,983/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$189,068/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,743
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$99,752
−HK$3,058/mo
Today · 4.125%
HK$102,810
baseline
▲ 0.50% · 4.625%
HK$109,066
+HK$6,256/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$205,620/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,626
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,512
−HK$2,929/mo
Today · 4.125%
HK$113,441
baseline
▲ 0.50% · 4.625%
HK$119,420
+HK$5,979/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$226,882/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,867
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$116,378
−HK$3,567/mo
Today · 4.125%
HK$119,945
baseline
▲ 0.50% · 4.625%
HK$127,243
+HK$7,298/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$239,890/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,564
−HK$6,783/mo
▼ 0.25% · 3.875%
HK$128,931
−HK$3,416/mo
Today · 4.125%
HK$132,347
baseline
▲ 0.50% · 4.625%
HK$139,324
+HK$6,977/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$264,694/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,115
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$149,629
−HK$4,586/mo
Today · 4.125%
HK$154,215
baseline
▲ 0.50% · 4.625%
HK$163,598
+HK$9,383/mo
Deposit HK$3.54M · loan HK$31.82M · min. income ≈ HK$308,430/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,439
−HK$8,722/mo
▼ 0.25% · 3.875%
HK$165,769
−HK$4,392/mo
Today · 4.125%
HK$170,161
baseline
▲ 0.50% · 4.625%
HK$179,130
+HK$8,969/mo
Deposit HK$3.54M · loan HK$31.82M · min. income ≈ HK$340,322/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,604 · Scale 2, in force from 26 Feb 2026)