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$80,752
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,264
−HK$2,552/mo
Today · 4.125%
HK$85,816
baseline
▲ 0.50% · 4.625%
HK$91,038
+HK$5,222/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$171,632/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,836
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,245
−HK$2,445/mo
Today · 4.125%
HK$94,690
baseline
▲ 0.50% · 4.625%
HK$99,681
+HK$4,991/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$189,380/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,903
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,917
−HK$3,062/mo
Today · 4.125%
HK$102,979
baseline
▲ 0.50% · 4.625%
HK$109,245
+HK$6,266/mo
Deposit HK$14.17M · loan HK$21.25M · min. income ≈ HK$205,958/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,803
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,695
−HK$2,933/mo
Today · 4.125%
HK$113,628
baseline
▲ 0.50% · 4.625%
HK$119,617
+HK$5,989/mo
Deposit HK$14.17M · loan HK$21.25M · min. income ≈ HK$227,256/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,053
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$116,570
−HK$3,573/mo
Today · 4.125%
HK$120,143
baseline
▲ 0.50% · 4.625%
HK$127,453
+HK$7,310/mo
Deposit HK$10.62M · loan HK$24.79M · min. income ≈ HK$240,286/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,770
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$129,144
−HK$3,421/mo
Today · 4.125%
HK$132,565
baseline
▲ 0.50% · 4.625%
HK$139,553
+HK$6,988/mo
Deposit HK$10.62M · loan HK$24.79M · min. income ≈ HK$265,130/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,354
−HK$9,115/mo
▼ 0.25% · 3.875%
HK$149,875
−HK$4,594/mo
Today · 4.125%
HK$154,469
baseline
▲ 0.50% · 4.625%
HK$163,868
+HK$9,399/mo
Deposit HK$3.54M · loan HK$31.87M · min. income ≈ HK$308,938/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,705
−HK$8,736/mo
▼ 0.25% · 3.875%
HK$166,042
−HK$4,399/mo
Today · 4.125%
HK$170,441
baseline
▲ 0.50% · 4.625%
HK$179,426
+HK$8,985/mo
Deposit HK$3.54M · loan HK$31.87M · min. income ≈ HK$340,882/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,081 · Scale 2, in force from 26 Feb 2026)