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$80,579
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,085
−HK$2,547/mo
Today · 4.125%
HK$85,632
baseline
▲ 0.50% · 4.625%
HK$90,842
+HK$5,210/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$171,264/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,501,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,643
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,047
−HK$2,439/mo
Today · 4.125%
HK$94,486
baseline
▲ 0.50% · 4.625%
HK$99,466
+HK$4,980/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$188,972/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,501,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,694
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,702
−HK$3,056/mo
Today · 4.125%
HK$102,758
baseline
▲ 0.50% · 4.625%
HK$109,010
+HK$6,252/mo
Deposit HK$14.13M · loan HK$21.20M · min. income ≈ HK$205,516/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,501,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,571
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,456
−HK$2,927/mo
Today · 4.125%
HK$113,383
baseline
▲ 0.50% · 4.625%
HK$119,360
+HK$5,977/mo
Deposit HK$14.13M · loan HK$21.20M · min. income ≈ HK$226,766/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,501,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,810
−HK$7,074/mo
▼ 0.25% · 3.875%
HK$116,319
−HK$3,565/mo
Today · 4.125%
HK$119,884
baseline
▲ 0.50% · 4.625%
HK$127,179
+HK$7,295/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$239,768/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,500
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$128,866
−HK$3,414/mo
Today · 4.125%
HK$132,280
baseline
▲ 0.50% · 4.625%
HK$139,253
+HK$6,973/mo
Deposit HK$10.60M · loan HK$24.74M · min. income ≈ HK$264,560/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,041
−HK$9,096/mo
▼ 0.25% · 3.875%
HK$149,553
−HK$4,584/mo
Today · 4.125%
HK$154,137
baseline
▲ 0.50% · 4.625%
HK$163,516
+HK$9,379/mo
Deposit HK$3.53M · loan HK$31.80M · min. income ≈ HK$308,274/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,501,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,357
−HK$8,718/mo
▼ 0.25% · 3.875%
HK$165,685
−HK$4,390/mo
Today · 4.125%
HK$170,075
baseline
▲ 0.50% · 4.625%
HK$179,040
+HK$8,965/mo
Deposit HK$3.53M · loan HK$31.80M · min. income ≈ HK$340,150/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,501,844 · Scale 2, in force from 26 Feb 2026)