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$80,763
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,275
−HK$2,552/mo
Today · 4.125%
HK$85,827
baseline
▲ 0.50% · 4.625%
HK$91,050
+HK$5,223/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$171,654/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,505,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,848
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,257
−HK$2,445/mo
Today · 4.125%
HK$94,702
baseline
▲ 0.50% · 4.625%
HK$99,694
+HK$4,992/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$189,404/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,505,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,915
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,930
−HK$3,063/mo
Today · 4.125%
HK$102,993
baseline
▲ 0.50% · 4.625%
HK$109,260
+HK$6,267/mo
Deposit HK$14.17M · loan HK$21.25M · min. income ≈ HK$205,986/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,505,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,817
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,709
−HK$2,933/mo
Today · 4.125%
HK$113,642
baseline
▲ 0.50% · 4.625%
HK$119,633
+HK$5,991/mo
Deposit HK$14.17M · loan HK$21.25M · min. income ≈ HK$227,284/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,505,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,068
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$116,585
−HK$3,573/mo
Today · 4.125%
HK$120,158
baseline
▲ 0.50% · 4.625%
HK$127,470
+HK$7,312/mo
Deposit HK$10.63M · loan HK$24.79M · min. income ≈ HK$240,316/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,787
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,160
−HK$3,423/mo
Today · 4.125%
HK$132,583
baseline
▲ 0.50% · 4.625%
HK$139,571
+HK$6,988/mo
Deposit HK$10.63M · loan HK$24.79M · min. income ≈ HK$265,166/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,373
−HK$9,116/mo
▼ 0.25% · 3.875%
HK$149,895
−HK$4,594/mo
Today · 4.125%
HK$154,489
baseline
▲ 0.50% · 4.625%
HK$163,890
+HK$9,401/mo
Deposit HK$3.54M · loan HK$31.88M · min. income ≈ HK$308,978/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,726
−HK$8,738/mo
▼ 0.25% · 3.875%
HK$166,063
−HK$4,401/mo
Today · 4.125%
HK$170,464
baseline
▲ 0.50% · 4.625%
HK$179,449
+HK$8,985/mo
Deposit HK$3.54M · loan HK$31.88M · min. income ≈ HK$340,928/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,278 · Scale 2, in force from 26 Feb 2026)