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$80,902
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,418
−HK$2,557/mo
Today · 4.125%
HK$85,975
baseline
▲ 0.50% · 4.625%
HK$91,206
+HK$5,231/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$171,950/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,507,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,002
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,416
−HK$2,449/mo
Today · 4.125%
HK$94,865
baseline
▲ 0.50% · 4.625%
HK$99,865
+HK$5,000/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$189,730/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,507,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,082
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,102
−HK$3,068/mo
Today · 4.125%
HK$103,170
baseline
▲ 0.50% · 4.625%
HK$109,448
+HK$6,278/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$206,340/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,003
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,899
−HK$2,939/mo
Today · 4.125%
HK$113,838
baseline
▲ 0.50% · 4.625%
HK$119,839
+HK$6,001/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$227,676/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,262
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,786
−HK$3,579/mo
Today · 4.125%
HK$120,365
baseline
▲ 0.50% · 4.625%
HK$127,689
+HK$7,324/mo
Deposit HK$10.64M · loan HK$24.84M · min. income ≈ HK$240,730/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,003
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,383
−HK$3,428/mo
Today · 4.125%
HK$132,811
baseline
▲ 0.50% · 4.625%
HK$139,812
+HK$7,001/mo
Deposit HK$10.64M · loan HK$24.84M · min. income ≈ HK$265,622/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,623
−HK$9,132/mo
▼ 0.25% · 3.875%
HK$150,153
−HK$4,602/mo
Today · 4.125%
HK$154,755
baseline
▲ 0.50% · 4.625%
HK$164,172
+HK$9,417/mo
Deposit HK$3.55M · loan HK$31.93M · min. income ≈ HK$309,510/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,507,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,004
−HK$8,753/mo
▼ 0.25% · 3.875%
HK$166,349
−HK$4,408/mo
Today · 4.125%
HK$170,757
baseline
▲ 0.50% · 4.625%
HK$179,758
+HK$9,001/mo
Deposit HK$3.55M · loan HK$31.93M · min. income ≈ HK$341,514/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,507,868 · Scale 2, in force from 26 Feb 2026)