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$80,317
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,815
−HK$2,539/mo
Today · 4.125%
HK$85,354
baseline
▲ 0.50% · 4.625%
HK$90,547
+HK$5,193/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$170,708/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,496,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,352
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,748
−HK$2,431/mo
Today · 4.125%
HK$94,179
baseline
▲ 0.50% · 4.625%
HK$99,144
+HK$4,965/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$188,358/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,496,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,381
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,379
−HK$3,046/mo
Today · 4.125%
HK$102,425
baseline
▲ 0.50% · 4.625%
HK$108,657
+HK$6,232/mo
Deposit HK$14.09M · loan HK$21.13M · min. income ≈ HK$204,850/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,496,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,222
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,098
−HK$2,917/mo
Today · 4.125%
HK$113,015
baseline
▲ 0.50% · 4.625%
HK$118,973
+HK$5,958/mo
Deposit HK$14.09M · loan HK$21.13M · min. income ≈ HK$226,030/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,496,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,444
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$115,942
−HK$3,553/mo
Today · 4.125%
HK$119,495
baseline
▲ 0.50% · 4.625%
HK$126,766
+HK$7,271/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$238,990/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,093
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$128,448
−HK$3,403/mo
Today · 4.125%
HK$131,851
baseline
▲ 0.50% · 4.625%
HK$138,801
+HK$6,950/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$263,702/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,571
−HK$9,066/mo
▼ 0.25% · 3.875%
HK$149,068
−HK$4,569/mo
Today · 4.125%
HK$153,637
baseline
▲ 0.50% · 4.625%
HK$162,985
+HK$9,348/mo
Deposit HK$3.52M · loan HK$31.70M · min. income ≈ HK$307,274/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,834
−HK$8,689/mo
▼ 0.25% · 3.875%
HK$165,147
−HK$4,376/mo
Today · 4.125%
HK$169,523
baseline
▲ 0.50% · 4.625%
HK$178,459
+HK$8,936/mo
Deposit HK$3.52M · loan HK$31.70M · min. income ≈ HK$339,046/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,972 · Scale 2, in force from 26 Feb 2026)