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$80,789
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,302
−HK$2,553/mo
Today · 4.125%
HK$85,855
baseline
▲ 0.50% · 4.625%
HK$91,079
+HK$5,224/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$171,710/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,877
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,287
−HK$2,445/mo
Today · 4.125%
HK$94,732
baseline
▲ 0.50% · 4.625%
HK$99,726
+HK$4,994/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$189,464/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,946
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,962
−HK$3,064/mo
Today · 4.125%
HK$103,026
baseline
▲ 0.50% · 4.625%
HK$109,295
+HK$6,269/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$206,052/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,852
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,744
−HK$2,935/mo
Today · 4.125%
HK$113,679
baseline
▲ 0.50% · 4.625%
HK$119,671
+HK$5,992/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$227,358/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,104
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,622
−HK$3,575/mo
Today · 4.125%
HK$120,197
baseline
▲ 0.50% · 4.625%
HK$127,510
+HK$7,313/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$240,394/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,827
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$129,202
−HK$3,423/mo
Today · 4.125%
HK$132,625
baseline
▲ 0.50% · 4.625%
HK$139,616
+HK$6,991/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$265,250/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,420
−HK$9,119/mo
▼ 0.25% · 3.875%
HK$149,943
−HK$4,596/mo
Today · 4.125%
HK$154,539
baseline
▲ 0.50% · 4.625%
HK$163,942
+HK$9,403/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$309,078/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,778
−HK$8,740/mo
▼ 0.25% · 3.875%
HK$166,117
−HK$4,401/mo
Today · 4.125%
HK$170,518
baseline
▲ 0.50% · 4.625%
HK$179,506
+HK$8,988/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$341,036/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,760 · Scale 2, in force from 26 Feb 2026)