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$80,760
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,273
−HK$2,552/mo
Today · 4.125%
HK$85,825
baseline
▲ 0.50% · 4.625%
HK$91,047
+HK$5,222/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$171,650/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,505,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,845
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,255
−HK$2,444/mo
Today · 4.125%
HK$94,699
baseline
▲ 0.50% · 4.625%
HK$99,691
+HK$4,992/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$189,398/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,505,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,913
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,927
−HK$3,063/mo
Today · 4.125%
HK$102,990
baseline
▲ 0.50% · 4.625%
HK$109,256
+HK$6,266/mo
Deposit HK$14.17M · loan HK$21.25M · min. income ≈ HK$205,980/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,505,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,814
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,706
−HK$2,933/mo
Today · 4.125%
HK$113,639
baseline
▲ 0.50% · 4.625%
HK$119,629
+HK$5,990/mo
Deposit HK$14.17M · loan HK$21.25M · min. income ≈ HK$227,278/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,505,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,065
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$116,582
−HK$3,573/mo
Today · 4.125%
HK$120,155
baseline
▲ 0.50% · 4.625%
HK$127,466
+HK$7,311/mo
Deposit HK$10.63M · loan HK$24.79M · min. income ≈ HK$240,310/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,783
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,157
−HK$3,422/mo
Today · 4.125%
HK$132,579
baseline
▲ 0.50% · 4.625%
HK$139,567
+HK$6,988/mo
Deposit HK$10.63M · loan HK$24.79M · min. income ≈ HK$265,158/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,369
−HK$9,116/mo
▼ 0.25% · 3.875%
HK$149,891
−HK$4,594/mo
Today · 4.125%
HK$154,485
baseline
▲ 0.50% · 4.625%
HK$163,885
+HK$9,400/mo
Deposit HK$3.54M · loan HK$31.88M · min. income ≈ HK$308,970/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,721
−HK$8,738/mo
▼ 0.25% · 3.875%
HK$166,059
−HK$4,400/mo
Today · 4.125%
HK$170,459
baseline
▲ 0.50% · 4.625%
HK$179,444
+HK$8,985/mo
Deposit HK$3.54M · loan HK$31.88M · min. income ≈ HK$340,918/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,234 · Scale 2, in force from 26 Feb 2026)