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$80,533
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,038
−HK$2,545/mo
Today · 4.125%
HK$85,583
baseline
▲ 0.50% · 4.625%
HK$90,791
+HK$5,208/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$171,166/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,500,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,592
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$91,995
−HK$2,438/mo
Today · 4.125%
HK$94,433
baseline
▲ 0.50% · 4.625%
HK$99,410
+HK$4,977/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$188,866/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,500,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,640
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$99,646
−HK$3,054/mo
Today · 4.125%
HK$102,700
baseline
▲ 0.50% · 4.625%
HK$108,949
+HK$6,249/mo
Deposit HK$14.13M · loan HK$21.19M · min. income ≈ HK$205,400/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,500,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,511
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$110,394
−HK$2,925/mo
Today · 4.125%
HK$113,319
baseline
▲ 0.50% · 4.625%
HK$119,293
+HK$5,974/mo
Deposit HK$14.13M · loan HK$21.19M · min. income ≈ HK$226,638/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,500,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,747
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$116,254
−HK$3,563/mo
Today · 4.125%
HK$119,817
baseline
▲ 0.50% · 4.625%
HK$127,107
+HK$7,290/mo
Deposit HK$10.60M · loan HK$24.72M · min. income ≈ HK$239,634/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,500,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,429
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$128,793
−HK$3,413/mo
Today · 4.125%
HK$132,206
baseline
▲ 0.50% · 4.625%
HK$139,175
+HK$6,969/mo
Deposit HK$10.60M · loan HK$24.72M · min. income ≈ HK$264,412/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,500,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,960
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$149,469
−HK$4,581/mo
Today · 4.125%
HK$154,050
baseline
▲ 0.50% · 4.625%
HK$163,424
+HK$9,374/mo
Deposit HK$3.53M · loan HK$31.79M · min. income ≈ HK$308,100/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,266
−HK$8,713/mo
▼ 0.25% · 3.875%
HK$165,591
−HK$4,388/mo
Today · 4.125%
HK$169,979
baseline
▲ 0.50% · 4.625%
HK$178,939
+HK$8,960/mo
Deposit HK$3.53M · loan HK$31.79M · min. income ≈ HK$339,958/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,999 · Scale 2, in force from 26 Feb 2026)