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$80,679
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,189
−HK$2,550/mo
Today · 4.125%
HK$85,739
baseline
▲ 0.50% · 4.625%
HK$90,956
+HK$5,217/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$171,478/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,755
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,162
−HK$2,442/mo
Today · 4.125%
HK$94,604
baseline
▲ 0.50% · 4.625%
HK$99,591
+HK$4,987/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$189,208/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,815
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$99,827
−HK$3,059/mo
Today · 4.125%
HK$102,886
baseline
▲ 0.50% · 4.625%
HK$109,147
+HK$6,261/mo
Deposit HK$14.15M · loan HK$21.23M · min. income ≈ HK$205,772/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,503,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,706
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,595
−HK$2,930/mo
Today · 4.125%
HK$113,525
baseline
▲ 0.50% · 4.625%
HK$119,509
+HK$5,984/mo
Deposit HK$14.15M · loan HK$21.23M · min. income ≈ HK$227,050/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,503,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,951
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$116,465
−HK$3,569/mo
Today · 4.125%
HK$120,034
baseline
▲ 0.50% · 4.625%
HK$127,338
+HK$7,304/mo
Deposit HK$10.61M · loan HK$24.77M · min. income ≈ HK$240,068/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,503,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,657
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$129,027
−HK$3,419/mo
Today · 4.125%
HK$132,446
baseline
▲ 0.50% · 4.625%
HK$139,427
+HK$6,981/mo
Deposit HK$10.61M · loan HK$24.77M · min. income ≈ HK$264,892/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,503,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,223
−HK$9,107/mo
▼ 0.25% · 3.875%
HK$149,740
−HK$4,590/mo
Today · 4.125%
HK$154,330
baseline
▲ 0.50% · 4.625%
HK$163,720
+HK$9,390/mo
Deposit HK$3.54M · loan HK$31.84M · min. income ≈ HK$308,660/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,559
−HK$8,729/mo
▼ 0.25% · 3.875%
HK$165,892
−HK$4,396/mo
Today · 4.125%
HK$170,288
baseline
▲ 0.50% · 4.625%
HK$179,264
+HK$8,976/mo
Deposit HK$3.54M · loan HK$31.84M · min. income ≈ HK$340,576/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,724 · Scale 2, in force from 26 Feb 2026)