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$80,284
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,781
−HK$2,537/mo
Today · 4.125%
HK$85,318
baseline
▲ 0.50% · 4.625%
HK$90,509
+HK$5,191/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$170,636/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,496,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,315
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,710
−HK$2,430/mo
Today · 4.125%
HK$94,140
baseline
▲ 0.50% · 4.625%
HK$99,102
+HK$4,962/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$188,280/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,496,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,340
−HK$6,042/mo
▼ 0.25% · 3.875%
HK$99,337
−HK$3,045/mo
Today · 4.125%
HK$102,382
baseline
▲ 0.50% · 4.625%
HK$108,611
+HK$6,229/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$204,764/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,178
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,052
−HK$2,916/mo
Today · 4.125%
HK$112,968
baseline
▲ 0.50% · 4.625%
HK$118,923
+HK$5,955/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$225,936/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,397
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$115,893
−HK$3,552/mo
Today · 4.125%
HK$119,445
baseline
▲ 0.50% · 4.625%
HK$126,713
+HK$7,268/mo
Deposit HK$10.56M · loan HK$24.65M · min. income ≈ HK$238,890/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,040
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$128,394
−HK$3,402/mo
Today · 4.125%
HK$131,796
baseline
▲ 0.50% · 4.625%
HK$138,743
+HK$6,947/mo
Deposit HK$10.56M · loan HK$24.65M · min. income ≈ HK$263,592/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,510
−HK$9,062/mo
▼ 0.25% · 3.875%
HK$149,005
−HK$4,567/mo
Today · 4.125%
HK$153,572
baseline
▲ 0.50% · 4.625%
HK$162,917
+HK$9,345/mo
Deposit HK$3.52M · loan HK$31.69M · min. income ≈ HK$307,144/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,766
−HK$8,686/mo
▼ 0.25% · 3.875%
HK$165,078
−HK$4,374/mo
Today · 4.125%
HK$169,452
baseline
▲ 0.50% · 4.625%
HK$178,384
+HK$8,932/mo
Deposit HK$3.52M · loan HK$31.69M · min. income ≈ HK$338,904/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,345 · Scale 2, in force from 26 Feb 2026)