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$80,977
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,496
−HK$2,559/mo
Today · 4.125%
HK$86,055
baseline
▲ 0.50% · 4.625%
HK$91,291
+HK$5,236/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$172,110/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,086
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,502
−HK$2,451/mo
Today · 4.125%
HK$94,953
baseline
▲ 0.50% · 4.625%
HK$99,958
+HK$5,005/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$189,906/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,173
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,195
−HK$3,071/mo
Today · 4.125%
HK$103,266
baseline
▲ 0.50% · 4.625%
HK$109,550
+HK$6,284/mo
Deposit HK$14.20M · loan HK$21.31M · min. income ≈ HK$206,532/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,509,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,104
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$111,003
−HK$2,941/mo
Today · 4.125%
HK$113,944
baseline
▲ 0.50% · 4.625%
HK$119,950
+HK$6,006/mo
Deposit HK$14.20M · loan HK$21.31M · min. income ≈ HK$227,888/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,509,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,368
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,894
−HK$3,583/mo
Today · 4.125%
HK$120,477
baseline
▲ 0.50% · 4.625%
HK$127,808
+HK$7,331/mo
Deposit HK$10.65M · loan HK$24.86M · min. income ≈ HK$240,954/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,509,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,121
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,503
−HK$3,432/mo
Today · 4.125%
HK$132,935
baseline
▲ 0.50% · 4.625%
HK$139,942
+HK$7,007/mo
Deposit HK$10.65M · loan HK$24.86M · min. income ≈ HK$265,870/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,509,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,759
−HK$9,140/mo
▼ 0.25% · 3.875%
HK$150,293
−HK$4,606/mo
Today · 4.125%
HK$154,899
baseline
▲ 0.50% · 4.625%
HK$164,324
+HK$9,425/mo
Deposit HK$3.55M · loan HK$31.96M · min. income ≈ HK$309,798/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,155
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$166,504
−HK$4,412/mo
Today · 4.125%
HK$170,916
baseline
▲ 0.50% · 4.625%
HK$179,925
+HK$9,009/mo
Deposit HK$3.55M · loan HK$31.96M · min. income ≈ HK$341,832/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,273 · Scale 2, in force from 26 Feb 2026)