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$80,568
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,074
−HK$2,546/mo
Today · 4.125%
HK$85,620
baseline
▲ 0.50% · 4.625%
HK$90,830
+HK$5,210/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$171,240/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,501,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,631
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,035
−HK$2,439/mo
Today · 4.125%
HK$94,474
baseline
▲ 0.50% · 4.625%
HK$99,453
+HK$4,979/mo
Deposit HK$17.67M · loan HK$17.67M · min. income ≈ HK$188,948/mo (50% DSR)
Upfront cash ≈ HK$19.17M (deposit + AVD stamp duty HK$1,501,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,682
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$99,689
−HK$3,055/mo
Today · 4.125%
HK$102,744
baseline
▲ 0.50% · 4.625%
HK$108,996
+HK$6,252/mo
Deposit HK$14.13M · loan HK$21.20M · min. income ≈ HK$205,488/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,501,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,557
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$110,442
−HK$2,926/mo
Today · 4.125%
HK$113,368
baseline
▲ 0.50% · 4.625%
HK$119,344
+HK$5,976/mo
Deposit HK$14.13M · loan HK$21.20M · min. income ≈ HK$226,736/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,501,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,795
−HK$7,074/mo
▼ 0.25% · 3.875%
HK$116,304
−HK$3,565/mo
Today · 4.125%
HK$119,869
baseline
▲ 0.50% · 4.625%
HK$127,162
+HK$7,293/mo
Deposit HK$10.60M · loan HK$24.73M · min. income ≈ HK$239,738/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,484
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$128,849
−HK$3,414/mo
Today · 4.125%
HK$132,263
baseline
▲ 0.50% · 4.625%
HK$139,235
+HK$6,972/mo
Deposit HK$10.60M · loan HK$24.73M · min. income ≈ HK$264,526/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,022
−HK$9,095/mo
▼ 0.25% · 3.875%
HK$149,533
−HK$4,584/mo
Today · 4.125%
HK$154,117
baseline
▲ 0.50% · 4.625%
HK$163,494
+HK$9,377/mo
Deposit HK$3.53M · loan HK$31.80M · min. income ≈ HK$308,234/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,501,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,336
−HK$8,717/mo
▼ 0.25% · 3.875%
HK$165,663
−HK$4,390/mo
Today · 4.125%
HK$170,053
baseline
▲ 0.50% · 4.625%
HK$179,016
+HK$8,963/mo
Deposit HK$3.53M · loan HK$31.80M · min. income ≈ HK$340,106/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,501,648 · Scale 2, in force from 26 Feb 2026)