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$80,783
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,296
−HK$2,553/mo
Today · 4.125%
HK$85,849
baseline
▲ 0.50% · 4.625%
HK$91,073
+HK$5,224/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$171,698/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,871
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,281
−HK$2,445/mo
Today · 4.125%
HK$94,726
baseline
▲ 0.50% · 4.625%
HK$99,719
+HK$4,993/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$189,452/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,940
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,955
−HK$3,064/mo
Today · 4.125%
HK$103,019
baseline
▲ 0.50% · 4.625%
HK$109,287
+HK$6,268/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$206,038/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,845
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,737
−HK$2,934/mo
Today · 4.125%
HK$113,671
baseline
▲ 0.50% · 4.625%
HK$119,663
+HK$5,992/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$227,342/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,097
−HK$7,092/mo
▼ 0.25% · 3.875%
HK$116,615
−HK$3,574/mo
Today · 4.125%
HK$120,189
baseline
▲ 0.50% · 4.625%
HK$127,502
+HK$7,313/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$240,378/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,819
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$129,193
−HK$3,423/mo
Today · 4.125%
HK$132,616
baseline
▲ 0.50% · 4.625%
HK$139,607
+HK$6,991/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$265,232/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,410
−HK$9,118/mo
▼ 0.25% · 3.875%
HK$149,933
−HK$4,595/mo
Today · 4.125%
HK$154,528
baseline
▲ 0.50% · 4.625%
HK$163,931
+HK$9,403/mo
Deposit HK$3.54M · loan HK$31.88M · min. income ≈ HK$309,056/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,767
−HK$8,740/mo
▼ 0.25% · 3.875%
HK$166,106
−HK$4,401/mo
Today · 4.125%
HK$170,507
baseline
▲ 0.50% · 4.625%
HK$179,494
+HK$8,987/mo
Deposit HK$3.54M · loan HK$31.88M · min. income ≈ HK$341,014/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,660 · Scale 2, in force from 26 Feb 2026)