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$80,498
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$83,002
−HK$2,544/mo
Today · 4.125%
HK$85,546
baseline
▲ 0.50% · 4.625%
HK$90,752
+HK$5,206/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$171,092/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,554
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,955
−HK$2,437/mo
Today · 4.125%
HK$94,392
baseline
▲ 0.50% · 4.625%
HK$99,367
+HK$4,975/mo
Deposit HK$17.65M · loan HK$17.65M · min. income ≈ HK$188,784/mo (50% DSR)
Upfront cash ≈ HK$19.15M (deposit + AVD stamp duty HK$1,500,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,598
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,603
−HK$3,053/mo
Today · 4.125%
HK$102,656
baseline
▲ 0.50% · 4.625%
HK$108,902
+HK$6,246/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$205,312/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,464
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,346
−HK$2,924/mo
Today · 4.125%
HK$113,270
baseline
▲ 0.50% · 4.625%
HK$119,241
+HK$5,971/mo
Deposit HK$14.12M · loan HK$21.18M · min. income ≈ HK$226,540/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,698
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$116,203
−HK$3,562/mo
Today · 4.125%
HK$119,765
baseline
▲ 0.50% · 4.625%
HK$127,052
+HK$7,287/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$239,530/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,375
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$128,737
−HK$3,412/mo
Today · 4.125%
HK$132,149
baseline
▲ 0.50% · 4.625%
HK$139,114
+HK$6,965/mo
Deposit HK$10.59M · loan HK$24.71M · min. income ≈ HK$264,298/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,897
−HK$9,086/mo
▼ 0.25% · 3.875%
HK$149,404
−HK$4,579/mo
Today · 4.125%
HK$153,983
baseline
▲ 0.50% · 4.625%
HK$163,353
+HK$9,370/mo
Deposit HK$3.53M · loan HK$31.77M · min. income ≈ HK$307,966/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,196
−HK$8,709/mo
▼ 0.25% · 3.875%
HK$165,520
−HK$4,385/mo
Today · 4.125%
HK$169,905
baseline
▲ 0.50% · 4.625%
HK$178,861
+HK$8,956/mo
Deposit HK$3.53M · loan HK$31.77M · min. income ≈ HK$339,810/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,349 · Scale 2, in force from 26 Feb 2026)