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$80,633
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,141
−HK$2,548/mo
Today · 4.125%
HK$85,689
baseline
▲ 0.50% · 4.625%
HK$90,903
+HK$5,214/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$171,378/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,703
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,109
−HK$2,441/mo
Today · 4.125%
HK$94,550
baseline
▲ 0.50% · 4.625%
HK$99,533
+HK$4,983/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$189,100/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,759
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,769
−HK$3,058/mo
Today · 4.125%
HK$102,827
baseline
▲ 0.50% · 4.625%
HK$109,084
+HK$6,257/mo
Deposit HK$14.14M · loan HK$21.22M · min. income ≈ HK$205,654/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,502,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,644
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,531
−HK$2,929/mo
Today · 4.125%
HK$113,460
baseline
▲ 0.50% · 4.625%
HK$119,440
+HK$5,980/mo
Deposit HK$14.14M · loan HK$21.22M · min. income ≈ HK$226,920/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,502,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,886
−HK$7,079/mo
▼ 0.25% · 3.875%
HK$116,397
−HK$3,568/mo
Today · 4.125%
HK$119,965
baseline
▲ 0.50% · 4.625%
HK$127,265
+HK$7,300/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$239,930/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,585
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$128,953
−HK$3,416/mo
Today · 4.125%
HK$132,369
baseline
▲ 0.50% · 4.625%
HK$139,347
+HK$6,978/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$264,738/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,139
−HK$9,102/mo
▼ 0.25% · 3.875%
HK$149,654
−HK$4,587/mo
Today · 4.125%
HK$154,241
baseline
▲ 0.50% · 4.625%
HK$163,626
+HK$9,385/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$308,482/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,466
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$165,796
−HK$4,393/mo
Today · 4.125%
HK$170,189
baseline
▲ 0.50% · 4.625%
HK$179,160
+HK$8,971/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$340,378/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,856 · Scale 2, in force from 26 Feb 2026)