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$80,639
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,147
−HK$2,548/mo
Today · 4.125%
HK$85,695
baseline
▲ 0.50% · 4.625%
HK$90,910
+HK$5,215/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$171,390/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,710
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,116
−HK$2,440/mo
Today · 4.125%
HK$94,556
baseline
▲ 0.50% · 4.625%
HK$99,541
+HK$4,985/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$189,112/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,766
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,776
−HK$3,058/mo
Today · 4.125%
HK$102,834
baseline
▲ 0.50% · 4.625%
HK$109,092
+HK$6,258/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$205,668/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,502,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,652
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,539
−HK$2,929/mo
Today · 4.125%
HK$113,468
baseline
▲ 0.50% · 4.625%
HK$119,449
+HK$5,981/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$226,936/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,502,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,894
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$116,406
−HK$3,568/mo
Today · 4.125%
HK$119,974
baseline
▲ 0.50% · 4.625%
HK$127,274
+HK$7,300/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$239,948/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,594
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$128,962
−HK$3,417/mo
Today · 4.125%
HK$132,379
baseline
▲ 0.50% · 4.625%
HK$139,357
+HK$6,978/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$264,758/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,150
−HK$9,102/mo
▼ 0.25% · 3.875%
HK$149,665
−HK$4,587/mo
Today · 4.125%
HK$154,252
baseline
▲ 0.50% · 4.625%
HK$163,638
+HK$9,386/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$308,504/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,477
−HK$8,725/mo
▼ 0.25% · 3.875%
HK$165,808
−HK$4,394/mo
Today · 4.125%
HK$170,202
baseline
▲ 0.50% · 4.625%
HK$179,173
+HK$8,971/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$340,404/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,964 · Scale 2, in force from 26 Feb 2026)