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$80,907
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,423
−HK$2,557/mo
Today · 4.125%
HK$85,980
baseline
▲ 0.50% · 4.625%
HK$91,212
+HK$5,232/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$171,960/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,507,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,008
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,422
−HK$2,449/mo
Today · 4.125%
HK$94,871
baseline
▲ 0.50% · 4.625%
HK$99,872
+HK$5,001/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$189,742/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,507,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,088
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,108
−HK$3,068/mo
Today · 4.125%
HK$103,176
baseline
▲ 0.50% · 4.625%
HK$109,454
+HK$6,278/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$206,352/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,010
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,906
−HK$2,939/mo
Today · 4.125%
HK$113,845
baseline
▲ 0.50% · 4.625%
HK$119,846
+HK$6,001/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$227,690/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,270
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,793
−HK$3,580/mo
Today · 4.125%
HK$120,373
baseline
▲ 0.50% · 4.625%
HK$127,697
+HK$7,324/mo
Deposit HK$10.64M · loan HK$24.84M · min. income ≈ HK$240,746/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,011
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,391
−HK$3,428/mo
Today · 4.125%
HK$132,819
baseline
▲ 0.50% · 4.625%
HK$139,820
+HK$7,001/mo
Deposit HK$10.64M · loan HK$24.84M · min. income ≈ HK$265,638/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,632
−HK$9,133/mo
▼ 0.25% · 3.875%
HK$150,162
−HK$4,603/mo
Today · 4.125%
HK$154,765
baseline
▲ 0.50% · 4.625%
HK$164,182
+HK$9,417/mo
Deposit HK$3.55M · loan HK$31.93M · min. income ≈ HK$309,530/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,507,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,014
−HK$8,754/mo
▼ 0.25% · 3.875%
HK$166,360
−HK$4,408/mo
Today · 4.125%
HK$170,768
baseline
▲ 0.50% · 4.625%
HK$179,769
+HK$9,001/mo
Deposit HK$3.55M · loan HK$31.93M · min. income ≈ HK$341,536/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,507,962 · Scale 2, in force from 26 Feb 2026)