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$80,783
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,295
−HK$2,553/mo
Today · 4.125%
HK$85,848
baseline
▲ 0.50% · 4.625%
HK$91,072
+HK$5,224/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$171,696/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,870
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,280
−HK$2,445/mo
Today · 4.125%
HK$94,725
baseline
▲ 0.50% · 4.625%
HK$99,718
+HK$4,993/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$189,450/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,939
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,954
−HK$3,064/mo
Today · 4.125%
HK$103,018
baseline
▲ 0.50% · 4.625%
HK$109,286
+HK$6,268/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$206,036/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,844
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,736
−HK$2,934/mo
Today · 4.125%
HK$113,670
baseline
▲ 0.50% · 4.625%
HK$119,662
+HK$5,992/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$227,340/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,096
−HK$7,092/mo
▼ 0.25% · 3.875%
HK$116,614
−HK$3,574/mo
Today · 4.125%
HK$120,188
baseline
▲ 0.50% · 4.625%
HK$127,501
+HK$7,313/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$240,376/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,818
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$129,192
−HK$3,423/mo
Today · 4.125%
HK$132,615
baseline
▲ 0.50% · 4.625%
HK$139,606
+HK$6,991/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$265,230/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,409
−HK$9,118/mo
▼ 0.25% · 3.875%
HK$149,932
−HK$4,595/mo
Today · 4.125%
HK$154,527
baseline
▲ 0.50% · 4.625%
HK$163,930
+HK$9,403/mo
Deposit HK$3.54M · loan HK$31.88M · min. income ≈ HK$309,054/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,766
−HK$8,739/mo
▼ 0.25% · 3.875%
HK$166,104
−HK$4,401/mo
Today · 4.125%
HK$170,505
baseline
▲ 0.50% · 4.625%
HK$179,493
+HK$8,988/mo
Deposit HK$3.54M · loan HK$31.88M · min. income ≈ HK$341,010/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,647 · Scale 2, in force from 26 Feb 2026)