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$80,647
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,156
−HK$2,549/mo
Today · 4.125%
HK$85,705
baseline
▲ 0.50% · 4.625%
HK$90,920
+HK$5,215/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$171,410/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,719
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,126
−HK$2,441/mo
Today · 4.125%
HK$94,567
baseline
▲ 0.50% · 4.625%
HK$99,551
+HK$4,984/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$189,134/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,777
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$99,787
−HK$3,059/mo
Today · 4.125%
HK$102,846
baseline
▲ 0.50% · 4.625%
HK$109,104
+HK$6,258/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$205,692/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,663
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,551
−HK$2,929/mo
Today · 4.125%
HK$113,480
baseline
▲ 0.50% · 4.625%
HK$119,462
+HK$5,982/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$226,960/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,906
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$116,418
−HK$3,569/mo
Today · 4.125%
HK$119,987
baseline
▲ 0.50% · 4.625%
HK$127,287
+HK$7,300/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$239,974/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,607
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$128,976
−HK$3,417/mo
Today · 4.125%
HK$132,393
baseline
▲ 0.50% · 4.625%
HK$139,372
+HK$6,979/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$264,786/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,165
−HK$9,103/mo
▼ 0.25% · 3.875%
HK$149,681
−HK$4,587/mo
Today · 4.125%
HK$154,268
baseline
▲ 0.50% · 4.625%
HK$163,655
+HK$9,387/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$308,536/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,495
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$165,826
−HK$4,394/mo
Today · 4.125%
HK$170,220
baseline
▲ 0.50% · 4.625%
HK$179,193
+HK$8,973/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$340,440/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,127 · Scale 2, in force from 26 Feb 2026)