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$80,888
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,404
−HK$2,556/mo
Today · 4.125%
HK$85,960
baseline
▲ 0.50% · 4.625%
HK$91,191
+HK$5,231/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$171,920/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,987
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,401
−HK$2,448/mo
Today · 4.125%
HK$94,849
baseline
▲ 0.50% · 4.625%
HK$99,849
+HK$5,000/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$189,698/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,066
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,085
−HK$3,068/mo
Today · 4.125%
HK$103,153
baseline
▲ 0.50% · 4.625%
HK$109,429
+HK$6,276/mo
Deposit HK$14.19M · loan HK$21.28M · min. income ≈ HK$206,306/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,985
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,881
−HK$2,938/mo
Today · 4.125%
HK$113,819
baseline
▲ 0.50% · 4.625%
HK$119,818
+HK$5,999/mo
Deposit HK$14.19M · loan HK$21.28M · min. income ≈ HK$227,638/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,243
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,766
−HK$3,579/mo
Today · 4.125%
HK$120,345
baseline
▲ 0.50% · 4.625%
HK$127,667
+HK$7,322/mo
Deposit HK$10.64M · loan HK$24.83M · min. income ≈ HK$240,690/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,982
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$129,361
−HK$3,427/mo
Today · 4.125%
HK$132,788
baseline
▲ 0.50% · 4.625%
HK$139,788
+HK$7,000/mo
Deposit HK$10.64M · loan HK$24.83M · min. income ≈ HK$265,576/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,599
−HK$9,130/mo
▼ 0.25% · 3.875%
HK$150,128
−HK$4,601/mo
Today · 4.125%
HK$154,729
baseline
▲ 0.50% · 4.625%
HK$164,144
+HK$9,415/mo
Deposit HK$3.55M · loan HK$31.93M · min. income ≈ HK$309,458/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,977
−HK$8,751/mo
▼ 0.25% · 3.875%
HK$166,321
−HK$4,407/mo
Today · 4.125%
HK$170,728
baseline
▲ 0.50% · 4.625%
HK$179,727
+HK$8,999/mo
Deposit HK$3.55M · loan HK$31.93M · min. income ≈ HK$341,456/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,613 · Scale 2, in force from 26 Feb 2026)