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$80,540
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,045
−HK$2,545/mo
Today · 4.125%
HK$85,590
baseline
▲ 0.50% · 4.625%
HK$90,798
+HK$5,208/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$171,180/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,501,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,600
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$92,003
−HK$2,437/mo
Today · 4.125%
HK$94,440
baseline
▲ 0.50% · 4.625%
HK$99,419
+HK$4,979/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$188,880/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,501,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,648
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$99,654
−HK$3,054/mo
Today · 4.125%
HK$102,708
baseline
▲ 0.50% · 4.625%
HK$108,958
+HK$6,250/mo
Deposit HK$14.13M · loan HK$21.19M · min. income ≈ HK$205,416/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,501,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,520
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$110,403
−HK$2,926/mo
Today · 4.125%
HK$113,329
baseline
▲ 0.50% · 4.625%
HK$119,302
+HK$5,973/mo
Deposit HK$14.13M · loan HK$21.19M · min. income ≈ HK$226,658/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,501,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,756
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$116,263
−HK$3,563/mo
Today · 4.125%
HK$119,826
baseline
▲ 0.50% · 4.625%
HK$127,118
+HK$7,292/mo
Deposit HK$10.60M · loan HK$24.72M · min. income ≈ HK$239,652/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,440
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$128,804
−HK$3,413/mo
Today · 4.125%
HK$132,217
baseline
▲ 0.50% · 4.625%
HK$139,186
+HK$6,969/mo
Deposit HK$10.60M · loan HK$24.72M · min. income ≈ HK$264,434/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,972
−HK$9,091/mo
▼ 0.25% · 3.875%
HK$149,481
−HK$4,582/mo
Today · 4.125%
HK$154,063
baseline
▲ 0.50% · 4.625%
HK$163,437
+HK$9,374/mo
Deposit HK$3.53M · loan HK$31.79M · min. income ≈ HK$308,126/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,501,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,279
−HK$8,714/mo
▼ 0.25% · 3.875%
HK$165,605
−HK$4,388/mo
Today · 4.125%
HK$169,993
baseline
▲ 0.50% · 4.625%
HK$178,953
+HK$8,960/mo
Deposit HK$3.53M · loan HK$31.79M · min. income ≈ HK$339,986/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,501,121 · Scale 2, in force from 26 Feb 2026)