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$80,649
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,157
−HK$2,549/mo
Today · 4.125%
HK$85,706
baseline
▲ 0.50% · 4.625%
HK$90,921
+HK$5,215/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$171,412/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,721
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,127
−HK$2,441/mo
Today · 4.125%
HK$94,568
baseline
▲ 0.50% · 4.625%
HK$99,553
+HK$4,985/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$189,136/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,778
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$99,789
−HK$3,058/mo
Today · 4.125%
HK$102,847
baseline
▲ 0.50% · 4.625%
HK$109,105
+HK$6,258/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$205,694/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,665
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,553
−HK$2,929/mo
Today · 4.125%
HK$113,482
baseline
▲ 0.50% · 4.625%
HK$119,464
+HK$5,982/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$226,964/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,908
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$116,420
−HK$3,568/mo
Today · 4.125%
HK$119,988
baseline
▲ 0.50% · 4.625%
HK$127,289
+HK$7,301/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$239,976/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,503,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,609
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$128,978
−HK$3,417/mo
Today · 4.125%
HK$132,395
baseline
▲ 0.50% · 4.625%
HK$139,374
+HK$6,979/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$264,790/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,503,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,168
−HK$9,103/mo
▼ 0.25% · 3.875%
HK$149,683
−HK$4,588/mo
Today · 4.125%
HK$154,271
baseline
▲ 0.50% · 4.625%
HK$163,658
+HK$9,387/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$308,542/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,497
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$165,829
−HK$4,394/mo
Today · 4.125%
HK$170,223
baseline
▲ 0.50% · 4.625%
HK$179,195
+HK$8,972/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$340,446/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,151 · Scale 2, in force from 26 Feb 2026)