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$80,705
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,215
−HK$2,550/mo
Today · 4.125%
HK$85,765
baseline
▲ 0.50% · 4.625%
HK$90,984
+HK$5,219/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$171,530/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,783
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,191
−HK$2,443/mo
Today · 4.125%
HK$94,634
baseline
▲ 0.50% · 4.625%
HK$99,622
+HK$4,988/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$189,268/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,846
−HK$6,073/mo
▼ 0.25% · 3.875%
HK$99,858
−HK$3,061/mo
Today · 4.125%
HK$102,919
baseline
▲ 0.50% · 4.625%
HK$109,181
+HK$6,262/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$205,838/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,740
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,629
−HK$2,932/mo
Today · 4.125%
HK$113,561
baseline
▲ 0.50% · 4.625%
HK$119,546
+HK$5,985/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$227,122/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,986
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,501
−HK$3,571/mo
Today · 4.125%
HK$120,072
baseline
▲ 0.50% · 4.625%
HK$127,378
+HK$7,306/mo
Deposit HK$10.62M · loan HK$24.77M · min. income ≈ HK$240,144/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,696
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$129,067
−HK$3,420/mo
Today · 4.125%
HK$132,487
baseline
▲ 0.50% · 4.625%
HK$139,471
+HK$6,984/mo
Deposit HK$10.62M · loan HK$24.77M · min. income ≈ HK$264,974/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,268
−HK$9,110/mo
▼ 0.25% · 3.875%
HK$149,787
−HK$4,591/mo
Today · 4.125%
HK$154,378
baseline
▲ 0.50% · 4.625%
HK$163,771
+HK$9,393/mo
Deposit HK$3.54M · loan HK$31.85M · min. income ≈ HK$308,756/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,610
−HK$8,731/mo
▼ 0.25% · 3.875%
HK$165,944
−HK$4,397/mo
Today · 4.125%
HK$170,341
baseline
▲ 0.50% · 4.625%
HK$179,320
+HK$8,979/mo
Deposit HK$3.54M · loan HK$31.85M · min. income ≈ HK$340,682/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,193 · Scale 2, in force from 26 Feb 2026)