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$80,385
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,886
−HK$2,540/mo
Today · 4.125%
HK$85,426
baseline
▲ 0.50% · 4.625%
HK$90,624
+HK$5,198/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$170,852/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,498,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,428
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,826
−HK$2,434/mo
Today · 4.125%
HK$94,260
baseline
▲ 0.50% · 4.625%
HK$99,228
+HK$4,968/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$188,520/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,498,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,463
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,463
−HK$3,049/mo
Today · 4.125%
HK$102,512
baseline
▲ 0.50% · 4.625%
HK$108,749
+HK$6,237/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$205,024/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,314
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,192
−HK$2,919/mo
Today · 4.125%
HK$113,111
baseline
▲ 0.50% · 4.625%
HK$119,074
+HK$5,963/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$226,222/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,540
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$116,040
−HK$3,557/mo
Today · 4.125%
HK$119,597
baseline
▲ 0.50% · 4.625%
HK$126,874
+HK$7,277/mo
Deposit HK$10.58M · loan HK$24.68M · min. income ≈ HK$239,194/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,498,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,199
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,557
−HK$3,406/mo
Today · 4.125%
HK$131,963
baseline
▲ 0.50% · 4.625%
HK$138,919
+HK$6,956/mo
Deposit HK$10.58M · loan HK$24.68M · min. income ≈ HK$263,926/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,498,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,694
−HK$9,073/mo
▼ 0.25% · 3.875%
HK$149,195
−HK$4,572/mo
Today · 4.125%
HK$153,767
baseline
▲ 0.50% · 4.625%
HK$163,124
+HK$9,357/mo
Deposit HK$3.53M · loan HK$31.73M · min. income ≈ HK$307,534/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,498,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,970
−HK$8,697/mo
▼ 0.25% · 3.875%
HK$165,288
−HK$4,379/mo
Today · 4.125%
HK$169,667
baseline
▲ 0.50% · 4.625%
HK$178,611
+HK$8,944/mo
Deposit HK$3.53M · loan HK$31.73M · min. income ≈ HK$339,334/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,498,245 · Scale 2, in force from 26 Feb 2026)