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$80,916
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,433
−HK$2,557/mo
Today · 4.125%
HK$85,990
baseline
▲ 0.50% · 4.625%
HK$91,223
+HK$5,233/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$171,980/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,508,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,019
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,433
−HK$2,449/mo
Today · 4.125%
HK$94,882
baseline
▲ 0.50% · 4.625%
HK$99,883
+HK$5,001/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$189,764/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,508,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,099
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,120
−HK$3,068/mo
Today · 4.125%
HK$103,188
baseline
▲ 0.50% · 4.625%
HK$109,467
+HK$6,279/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$206,376/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,508,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,022
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$110,919
−HK$2,939/mo
Today · 4.125%
HK$113,858
baseline
▲ 0.50% · 4.625%
HK$119,860
+HK$6,002/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$227,716/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,508,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,283
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$116,806
−HK$3,581/mo
Today · 4.125%
HK$120,387
baseline
▲ 0.50% · 4.625%
HK$127,712
+HK$7,325/mo
Deposit HK$10.65M · loan HK$24.84M · min. income ≈ HK$240,774/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,508,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,026
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$129,406
−HK$3,429/mo
Today · 4.125%
HK$132,835
baseline
▲ 0.50% · 4.625%
HK$139,837
+HK$7,002/mo
Deposit HK$10.65M · loan HK$24.84M · min. income ≈ HK$265,670/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,508,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,649
−HK$9,134/mo
▼ 0.25% · 3.875%
HK$150,180
−HK$4,603/mo
Today · 4.125%
HK$154,783
baseline
▲ 0.50% · 4.625%
HK$164,201
+HK$9,418/mo
Deposit HK$3.55M · loan HK$31.94M · min. income ≈ HK$309,566/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,508,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,033
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$166,379
−HK$4,408/mo
Today · 4.125%
HK$170,787
baseline
▲ 0.50% · 4.625%
HK$179,790
+HK$9,003/mo
Deposit HK$3.55M · loan HK$31.94M · min. income ≈ HK$341,574/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,508,138 · Scale 2, in force from 26 Feb 2026)