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$80,646
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,154
−HK$2,549/mo
Today · 4.125%
HK$85,703
baseline
▲ 0.50% · 4.625%
HK$90,918
+HK$5,215/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$171,406/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,717
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,124
−HK$2,441/mo
Today · 4.125%
HK$94,565
baseline
▲ 0.50% · 4.625%
HK$99,549
+HK$4,984/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$189,130/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,775
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,785
−HK$3,058/mo
Today · 4.125%
HK$102,843
baseline
▲ 0.50% · 4.625%
HK$109,101
+HK$6,258/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$205,686/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,661
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,548
−HK$2,929/mo
Today · 4.125%
HK$113,477
baseline
▲ 0.50% · 4.625%
HK$119,459
+HK$5,982/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$226,954/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,904
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$116,416
−HK$3,568/mo
Today · 4.125%
HK$119,984
baseline
▲ 0.50% · 4.625%
HK$127,285
+HK$7,301/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$239,968/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,503,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,604
−HK$6,786/mo
▼ 0.25% · 3.875%
HK$128,973
−HK$3,417/mo
Today · 4.125%
HK$132,390
baseline
▲ 0.50% · 4.625%
HK$139,369
+HK$6,979/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$264,780/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,503,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,162
−HK$9,103/mo
▼ 0.25% · 3.875%
HK$149,677
−HK$4,588/mo
Today · 4.125%
HK$154,265
baseline
▲ 0.50% · 4.625%
HK$163,652
+HK$9,387/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$308,530/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,491
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$165,822
−HK$4,394/mo
Today · 4.125%
HK$170,216
baseline
▲ 0.50% · 4.625%
HK$179,189
+HK$8,973/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$340,432/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,094 · Scale 2, in force from 26 Feb 2026)