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$80,560
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,066
−HK$2,545/mo
Today · 4.125%
HK$85,611
baseline
▲ 0.50% · 4.625%
HK$90,821
+HK$5,210/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$171,222/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,501,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,622
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,025
−HK$2,439/mo
Today · 4.125%
HK$94,464
baseline
▲ 0.50% · 4.625%
HK$99,443
+HK$4,979/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$188,928/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,501,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,672
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$99,679
−HK$3,055/mo
Today · 4.125%
HK$102,734
baseline
▲ 0.50% · 4.625%
HK$108,985
+HK$6,251/mo
Deposit HK$14.13M · loan HK$21.20M · min. income ≈ HK$205,468/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,501,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,546
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$110,430
−HK$2,927/mo
Today · 4.125%
HK$113,357
baseline
▲ 0.50% · 4.625%
HK$119,332
+HK$5,975/mo
Deposit HK$14.13M · loan HK$21.20M · min. income ≈ HK$226,714/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,501,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,784
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$116,292
−HK$3,564/mo
Today · 4.125%
HK$119,856
baseline
▲ 0.50% · 4.625%
HK$127,149
+HK$7,293/mo
Deposit HK$10.60M · loan HK$24.73M · min. income ≈ HK$239,712/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,471
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$128,836
−HK$3,413/mo
Today · 4.125%
HK$132,249
baseline
▲ 0.50% · 4.625%
HK$139,220
+HK$6,971/mo
Deposit HK$10.60M · loan HK$24.73M · min. income ≈ HK$264,498/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,007
−HK$9,094/mo
▼ 0.25% · 3.875%
HK$149,518
−HK$4,583/mo
Today · 4.125%
HK$154,101
baseline
▲ 0.50% · 4.625%
HK$163,477
+HK$9,376/mo
Deposit HK$3.53M · loan HK$31.80M · min. income ≈ HK$308,202/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,501,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,319
−HK$8,716/mo
▼ 0.25% · 3.875%
HK$165,646
−HK$4,389/mo
Today · 4.125%
HK$170,035
baseline
▲ 0.50% · 4.625%
HK$178,998
+HK$8,963/mo
Deposit HK$3.53M · loan HK$31.80M · min. income ≈ HK$340,070/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,501,492 · Scale 2, in force from 26 Feb 2026)