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$80,841
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,356
−HK$2,555/mo
Today · 4.125%
HK$85,911
baseline
▲ 0.50% · 4.625%
HK$91,138
+HK$5,227/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$171,822/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,935
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,347
−HK$2,447/mo
Today · 4.125%
HK$94,794
baseline
▲ 0.50% · 4.625%
HK$99,791
+HK$4,997/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,588/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,009
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,027
−HK$3,066/mo
Today · 4.125%
HK$103,093
baseline
▲ 0.50% · 4.625%
HK$109,366
+HK$6,273/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,186/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,922
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,816
−HK$2,937/mo
Today · 4.125%
HK$113,753
baseline
▲ 0.50% · 4.625%
HK$119,749
+HK$5,996/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,506/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,178
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$116,698
−HK$3,577/mo
Today · 4.125%
HK$120,275
baseline
▲ 0.50% · 4.625%
HK$127,593
+HK$7,318/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$240,550/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,909
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$129,286
−HK$3,425/mo
Today · 4.125%
HK$132,711
baseline
▲ 0.50% · 4.625%
HK$139,707
+HK$6,996/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$265,422/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,514
−HK$9,125/mo
▼ 0.25% · 3.875%
HK$150,040
−HK$4,599/mo
Today · 4.125%
HK$154,639
baseline
▲ 0.50% · 4.625%
HK$164,049
+HK$9,410/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$309,278/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,883
−HK$8,746/mo
▼ 0.25% · 3.875%
HK$166,225
−HK$4,404/mo
Today · 4.125%
HK$170,629
baseline
▲ 0.50% · 4.625%
HK$179,623
+HK$8,994/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$341,258/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,739 · Scale 2, in force from 26 Feb 2026)