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$80,853
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,368
−HK$2,555/mo
Today · 4.125%
HK$85,923
baseline
▲ 0.50% · 4.625%
HK$91,151
+HK$5,228/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$171,846/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,506,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,948
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,360
−HK$2,447/mo
Today · 4.125%
HK$94,807
baseline
▲ 0.50% · 4.625%
HK$99,805
+HK$4,998/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,614/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,506,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,023
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,041
−HK$3,066/mo
Today · 4.125%
HK$103,107
baseline
▲ 0.50% · 4.625%
HK$109,381
+HK$6,274/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,214/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,937
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,832
−HK$2,937/mo
Today · 4.125%
HK$113,769
baseline
▲ 0.50% · 4.625%
HK$119,766
+HK$5,997/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,538/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,194
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,715
−HK$3,577/mo
Today · 4.125%
HK$120,292
baseline
▲ 0.50% · 4.625%
HK$127,611
+HK$7,319/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$240,584/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,927
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,304
−HK$3,426/mo
Today · 4.125%
HK$132,730
baseline
▲ 0.50% · 4.625%
HK$139,727
+HK$6,997/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$265,460/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,535
−HK$9,126/mo
▼ 0.25% · 3.875%
HK$150,062
−HK$4,599/mo
Today · 4.125%
HK$154,661
baseline
▲ 0.50% · 4.625%
HK$164,072
+HK$9,411/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$309,322/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,906
−HK$8,747/mo
▼ 0.25% · 3.875%
HK$166,248
−HK$4,405/mo
Today · 4.125%
HK$170,653
baseline
▲ 0.50% · 4.625%
HK$179,649
+HK$8,996/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$341,306/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,952 · Scale 2, in force from 26 Feb 2026)