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$80,435
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,937
−HK$2,542/mo
Today · 4.125%
HK$85,479
baseline
▲ 0.50% · 4.625%
HK$90,680
+HK$5,201/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$170,958/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,483
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,883
−HK$2,434/mo
Today · 4.125%
HK$94,317
baseline
▲ 0.50% · 4.625%
HK$99,289
+HK$4,972/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$188,634/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,522
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,524
−HK$3,051/mo
Today · 4.125%
HK$102,575
baseline
▲ 0.50% · 4.625%
HK$108,816
+HK$6,241/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$205,150/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,380
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,259
−HK$2,922/mo
Today · 4.125%
HK$113,181
baseline
▲ 0.50% · 4.625%
HK$119,147
+HK$5,966/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$226,362/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,609
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,112
−HK$3,558/mo
Today · 4.125%
HK$119,670
baseline
▲ 0.50% · 4.625%
HK$126,952
+HK$7,282/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$239,340/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,276
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,636
−HK$3,408/mo
Today · 4.125%
HK$132,044
baseline
▲ 0.50% · 4.625%
HK$139,005
+HK$6,961/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$264,088/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,783
−HK$9,079/mo
▼ 0.25% · 3.875%
HK$149,286
−HK$4,576/mo
Today · 4.125%
HK$153,862
baseline
▲ 0.50% · 4.625%
HK$163,224
+HK$9,362/mo
Deposit HK$3.53M · loan HK$31.75M · min. income ≈ HK$307,724/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,069
−HK$8,702/mo
▼ 0.25% · 3.875%
HK$165,389
−HK$4,382/mo
Today · 4.125%
HK$169,771
baseline
▲ 0.50% · 4.625%
HK$178,720
+HK$8,949/mo
Deposit HK$3.53M · loan HK$31.75M · min. income ≈ HK$339,542/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,166 · Scale 2, in force from 26 Feb 2026)