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$80,843
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,357
−HK$2,555/mo
Today · 4.125%
HK$85,912
baseline
▲ 0.50% · 4.625%
HK$91,140
+HK$5,228/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$171,824/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,937
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,349
−HK$2,447/mo
Today · 4.125%
HK$94,796
baseline
▲ 0.50% · 4.625%
HK$99,792
+HK$4,996/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,592/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,011
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,029
−HK$3,066/mo
Today · 4.125%
HK$103,095
baseline
▲ 0.50% · 4.625%
HK$109,368
+HK$6,273/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,190/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,924
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,818
−HK$2,937/mo
Today · 4.125%
HK$113,755
baseline
▲ 0.50% · 4.625%
HK$119,751
+HK$5,996/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,510/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,180
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$116,700
−HK$3,577/mo
Today · 4.125%
HK$120,277
baseline
▲ 0.50% · 4.625%
HK$127,596
+HK$7,319/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$240,554/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,911
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,288
−HK$3,426/mo
Today · 4.125%
HK$132,714
baseline
▲ 0.50% · 4.625%
HK$139,709
+HK$6,995/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$265,428/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,517
−HK$9,125/mo
▼ 0.25% · 3.875%
HK$150,043
−HK$4,599/mo
Today · 4.125%
HK$154,642
baseline
▲ 0.50% · 4.625%
HK$164,051
+HK$9,409/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$309,284/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,886
−HK$8,746/mo
▼ 0.25% · 3.875%
HK$166,228
−HK$4,404/mo
Today · 4.125%
HK$170,632
baseline
▲ 0.50% · 4.625%
HK$179,626
+HK$8,994/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$341,264/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,766 · Scale 2, in force from 26 Feb 2026)