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$80,514
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,018
−HK$2,545/mo
Today · 4.125%
HK$85,563
baseline
▲ 0.50% · 4.625%
HK$90,769
+HK$5,206/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,126/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,500,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,571
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,973
−HK$2,437/mo
Today · 4.125%
HK$94,410
baseline
▲ 0.50% · 4.625%
HK$99,387
+HK$4,977/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,820/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,500,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,617
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,622
−HK$3,054/mo
Today · 4.125%
HK$102,676
baseline
▲ 0.50% · 4.625%
HK$108,923
+HK$6,247/mo
Deposit HK$14.12M · loan HK$21.19M · min. income ≈ HK$205,352/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,485
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,368
−HK$2,924/mo
Today · 4.125%
HK$113,292
baseline
▲ 0.50% · 4.625%
HK$119,264
+HK$5,972/mo
Deposit HK$14.12M · loan HK$21.19M · min. income ≈ HK$226,584/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,720
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$116,226
−HK$3,562/mo
Today · 4.125%
HK$119,788
baseline
▲ 0.50% · 4.625%
HK$127,077
+HK$7,289/mo
Deposit HK$10.59M · loan HK$24.72M · min. income ≈ HK$239,576/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,399
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$128,763
−HK$3,411/mo
Today · 4.125%
HK$132,174
baseline
▲ 0.50% · 4.625%
HK$139,142
+HK$6,968/mo
Deposit HK$10.59M · loan HK$24.72M · min. income ≈ HK$264,348/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,925
−HK$9,088/mo
▼ 0.25% · 3.875%
HK$149,433
−HK$4,580/mo
Today · 4.125%
HK$154,013
baseline
▲ 0.50% · 4.625%
HK$163,385
+HK$9,372/mo
Deposit HK$3.53M · loan HK$31.78M · min. income ≈ HK$308,026/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,228
−HK$8,711/mo
▼ 0.25% · 3.875%
HK$165,552
−HK$4,387/mo
Today · 4.125%
HK$169,939
baseline
▲ 0.50% · 4.625%
HK$178,896
+HK$8,957/mo
Deposit HK$3.53M · loan HK$31.78M · min. income ≈ HK$339,878/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,641 · Scale 2, in force from 26 Feb 2026)