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$80,903
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,420
−HK$2,557/mo
Today · 4.125%
HK$85,977
baseline
▲ 0.50% · 4.625%
HK$91,208
+HK$5,231/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$171,954/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,507,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,004
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,418
−HK$2,449/mo
Today · 4.125%
HK$94,867
baseline
▲ 0.50% · 4.625%
HK$99,867
+HK$5,000/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$189,734/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,507,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,084
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,104
−HK$3,068/mo
Today · 4.125%
HK$103,172
baseline
▲ 0.50% · 4.625%
HK$109,450
+HK$6,278/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$206,344/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,005
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,902
−HK$2,938/mo
Today · 4.125%
HK$113,840
baseline
▲ 0.50% · 4.625%
HK$119,841
+HK$6,001/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$227,680/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,507,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,265
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,788
−HK$3,579/mo
Today · 4.125%
HK$120,367
baseline
▲ 0.50% · 4.625%
HK$127,691
+HK$7,324/mo
Deposit HK$10.64M · loan HK$24.84M · min. income ≈ HK$240,734/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,006
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,385
−HK$3,429/mo
Today · 4.125%
HK$132,814
baseline
▲ 0.50% · 4.625%
HK$139,814
+HK$7,000/mo
Deposit HK$10.64M · loan HK$24.84M · min. income ≈ HK$265,628/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,626
−HK$9,132/mo
▼ 0.25% · 3.875%
HK$150,156
−HK$4,602/mo
Today · 4.125%
HK$154,758
baseline
▲ 0.50% · 4.625%
HK$164,175
+HK$9,417/mo
Deposit HK$3.55M · loan HK$31.93M · min. income ≈ HK$309,516/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,507,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,008
−HK$8,752/mo
▼ 0.25% · 3.875%
HK$166,352
−HK$4,408/mo
Today · 4.125%
HK$170,760
baseline
▲ 0.50% · 4.625%
HK$179,761
+HK$9,001/mo
Deposit HK$3.55M · loan HK$31.93M · min. income ≈ HK$341,520/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,507,898 · Scale 2, in force from 26 Feb 2026)