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$80,462
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,964
−HK$2,543/mo
Today · 4.125%
HK$85,507
baseline
▲ 0.50% · 4.625%
HK$90,710
+HK$5,203/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$171,014/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,513
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,913
−HK$2,436/mo
Today · 4.125%
HK$94,349
baseline
▲ 0.50% · 4.625%
HK$99,322
+HK$4,973/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$188,698/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,554
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,557
−HK$3,052/mo
Today · 4.125%
HK$102,609
baseline
▲ 0.50% · 4.625%
HK$108,852
+HK$6,243/mo
Deposit HK$14.11M · loan HK$21.17M · min. income ≈ HK$205,218/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,415
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,296
−HK$2,923/mo
Today · 4.125%
HK$113,219
baseline
▲ 0.50% · 4.625%
HK$119,186
+HK$5,967/mo
Deposit HK$14.11M · loan HK$21.17M · min. income ≈ HK$226,438/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,646
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$116,150
−HK$3,560/mo
Today · 4.125%
HK$119,710
baseline
▲ 0.50% · 4.625%
HK$126,994
+HK$7,284/mo
Deposit HK$10.59M · loan HK$24.70M · min. income ≈ HK$239,420/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,499,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,318
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$128,679
−HK$3,409/mo
Today · 4.125%
HK$132,088
baseline
▲ 0.50% · 4.625%
HK$139,051
+HK$6,963/mo
Deposit HK$10.59M · loan HK$24.70M · min. income ≈ HK$264,176/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,499,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,831
−HK$9,082/mo
▼ 0.25% · 3.875%
HK$149,336
−HK$4,577/mo
Today · 4.125%
HK$153,913
baseline
▲ 0.50% · 4.625%
HK$163,278
+HK$9,365/mo
Deposit HK$3.53M · loan HK$31.76M · min. income ≈ HK$307,826/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,123
−HK$8,705/mo
▼ 0.25% · 3.875%
HK$165,444
−HK$4,384/mo
Today · 4.125%
HK$169,828
baseline
▲ 0.50% · 4.625%
HK$178,780
+HK$8,952/mo
Deposit HK$3.53M · loan HK$31.76M · min. income ≈ HK$339,656/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,664 · Scale 2, in force from 26 Feb 2026)