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$80,458
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,960
−HK$2,543/mo
Today · 4.125%
HK$85,503
baseline
▲ 0.50% · 4.625%
HK$90,706
+HK$5,203/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$171,006/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,508
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,909
−HK$2,435/mo
Today · 4.125%
HK$94,344
baseline
▲ 0.50% · 4.625%
HK$99,317
+HK$4,973/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$188,688/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,549
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,552
−HK$3,052/mo
Today · 4.125%
HK$102,604
baseline
▲ 0.50% · 4.625%
HK$108,847
+HK$6,243/mo
Deposit HK$14.11M · loan HK$21.17M · min. income ≈ HK$205,208/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,410
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,291
−HK$2,922/mo
Today · 4.125%
HK$113,213
baseline
▲ 0.50% · 4.625%
HK$119,181
+HK$5,968/mo
Deposit HK$14.11M · loan HK$21.17M · min. income ≈ HK$226,426/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,641
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$116,144
−HK$3,560/mo
Today · 4.125%
HK$119,704
baseline
▲ 0.50% · 4.625%
HK$126,988
+HK$7,284/mo
Deposit HK$10.59M · loan HK$24.70M · min. income ≈ HK$239,408/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,312
−HK$6,770/mo
▼ 0.25% · 3.875%
HK$128,672
−HK$3,410/mo
Today · 4.125%
HK$132,082
baseline
▲ 0.50% · 4.625%
HK$139,044
+HK$6,962/mo
Deposit HK$10.59M · loan HK$24.70M · min. income ≈ HK$264,164/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,824
−HK$9,081/mo
▼ 0.25% · 3.875%
HK$149,329
−HK$4,576/mo
Today · 4.125%
HK$153,905
baseline
▲ 0.50% · 4.625%
HK$163,270
+HK$9,365/mo
Deposit HK$3.53M · loan HK$31.76M · min. income ≈ HK$307,810/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,115
−HK$8,704/mo
▼ 0.25% · 3.875%
HK$165,436
−HK$4,383/mo
Today · 4.125%
HK$169,819
baseline
▲ 0.50% · 4.625%
HK$178,771
+HK$8,952/mo
Deposit HK$3.53M · loan HK$31.76M · min. income ≈ HK$339,638/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,590 · Scale 2, in force from 26 Feb 2026)