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$80,856
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,371
−HK$2,555/mo
Today · 4.125%
HK$85,926
baseline
▲ 0.50% · 4.625%
HK$91,155
+HK$5,229/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$171,852/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,951
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,364
−HK$2,447/mo
Today · 4.125%
HK$94,811
baseline
▲ 0.50% · 4.625%
HK$99,809
+HK$4,998/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,622/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,027
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,045
−HK$3,067/mo
Today · 4.125%
HK$103,112
baseline
▲ 0.50% · 4.625%
HK$109,386
+HK$6,274/mo
Deposit HK$14.18M · loan HK$21.28M · min. income ≈ HK$206,224/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,507,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,942
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,837
−HK$2,937/mo
Today · 4.125%
HK$113,774
baseline
▲ 0.50% · 4.625%
HK$119,771
+HK$5,997/mo
Deposit HK$14.18M · loan HK$21.28M · min. income ≈ HK$227,548/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,507,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,198
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$116,719
−HK$3,578/mo
Today · 4.125%
HK$120,297
baseline
▲ 0.50% · 4.625%
HK$127,617
+HK$7,320/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$240,594/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,507,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,932
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$129,309
−HK$3,427/mo
Today · 4.125%
HK$132,736
baseline
▲ 0.50% · 4.625%
HK$139,732
+HK$6,996/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$265,472/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,507,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,541
−HK$9,126/mo
▼ 0.25% · 3.875%
HK$150,068
−HK$4,599/mo
Today · 4.125%
HK$154,667
baseline
▲ 0.50% · 4.625%
HK$164,079
+HK$9,412/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$309,334/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,913
−HK$8,747/mo
▼ 0.25% · 3.875%
HK$166,255
−HK$4,405/mo
Today · 4.125%
HK$170,660
baseline
▲ 0.50% · 4.625%
HK$179,656
+HK$8,996/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$341,320/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,015 · Scale 2, in force from 26 Feb 2026)