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$80,631
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,139
−HK$2,548/mo
Today · 4.125%
HK$85,687
baseline
▲ 0.50% · 4.625%
HK$90,901
+HK$5,214/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$171,374/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,701
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,107
−HK$2,441/mo
Today · 4.125%
HK$94,548
baseline
▲ 0.50% · 4.625%
HK$99,531
+HK$4,983/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$189,096/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,757
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,767
−HK$3,058/mo
Today · 4.125%
HK$102,825
baseline
▲ 0.50% · 4.625%
HK$109,082
+HK$6,257/mo
Deposit HK$14.14M · loan HK$21.22M · min. income ≈ HK$205,650/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,502,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,642
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,528
−HK$2,929/mo
Today · 4.125%
HK$113,457
baseline
▲ 0.50% · 4.625%
HK$119,438
+HK$5,981/mo
Deposit HK$14.14M · loan HK$21.22M · min. income ≈ HK$226,914/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,502,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,884
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$116,395
−HK$3,567/mo
Today · 4.125%
HK$119,962
baseline
▲ 0.50% · 4.625%
HK$127,262
+HK$7,300/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$239,924/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,582
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$128,950
−HK$3,417/mo
Today · 4.125%
HK$132,367
baseline
▲ 0.50% · 4.625%
HK$139,344
+HK$6,977/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$264,734/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,136
−HK$9,101/mo
▼ 0.25% · 3.875%
HK$149,651
−HK$4,586/mo
Today · 4.125%
HK$154,237
baseline
▲ 0.50% · 4.625%
HK$163,622
+HK$9,385/mo
Deposit HK$3.54M · loan HK$31.82M · min. income ≈ HK$308,474/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,462
−HK$8,724/mo
▼ 0.25% · 3.875%
HK$165,793
−HK$4,393/mo
Today · 4.125%
HK$170,186
baseline
▲ 0.50% · 4.625%
HK$179,156
+HK$8,970/mo
Deposit HK$3.54M · loan HK$31.82M · min. income ≈ HK$340,372/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,824 · Scale 2, in force from 26 Feb 2026)