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$80,720
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,231
−HK$2,551/mo
Today · 4.125%
HK$85,782
baseline
▲ 0.50% · 4.625%
HK$91,001
+HK$5,219/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$171,564/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,800
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,209
−HK$2,443/mo
Today · 4.125%
HK$94,652
baseline
▲ 0.50% · 4.625%
HK$99,641
+HK$4,989/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$189,304/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,864
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,877
−HK$3,061/mo
Today · 4.125%
HK$102,938
baseline
▲ 0.50% · 4.625%
HK$109,202
+HK$6,264/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$205,876/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,760
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,650
−HK$2,932/mo
Today · 4.125%
HK$113,582
baseline
▲ 0.50% · 4.625%
HK$119,569
+HK$5,987/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$227,164/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,008
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,523
−HK$3,572/mo
Today · 4.125%
HK$120,095
baseline
▲ 0.50% · 4.625%
HK$127,402
+HK$7,307/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$240,190/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,720
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,092
−HK$3,420/mo
Today · 4.125%
HK$132,512
baseline
▲ 0.50% · 4.625%
HK$139,497
+HK$6,985/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$265,024/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,296
−HK$9,111/mo
▼ 0.25% · 3.875%
HK$149,815
−HK$4,592/mo
Today · 4.125%
HK$154,407
baseline
▲ 0.50% · 4.625%
HK$163,803
+HK$9,396/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$308,814/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,640
−HK$8,733/mo
▼ 0.25% · 3.875%
HK$165,975
−HK$4,398/mo
Today · 4.125%
HK$170,373
baseline
▲ 0.50% · 4.625%
HK$179,354
+HK$8,981/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$340,746/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,479 · Scale 2, in force from 26 Feb 2026)