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$80,632
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,140
−HK$2,548/mo
Today · 4.125%
HK$85,688
baseline
▲ 0.50% · 4.625%
HK$90,902
+HK$5,214/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$171,376/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,702
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,108
−HK$2,440/mo
Today · 4.125%
HK$94,548
baseline
▲ 0.50% · 4.625%
HK$99,532
+HK$4,984/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$189,096/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,758
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$99,768
−HK$3,057/mo
Today · 4.125%
HK$102,825
baseline
▲ 0.50% · 4.625%
HK$109,082
+HK$6,257/mo
Deposit HK$14.14M · loan HK$21.22M · min. income ≈ HK$205,650/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,502,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,642
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,529
−HK$2,929/mo
Today · 4.125%
HK$113,458
baseline
▲ 0.50% · 4.625%
HK$119,438
+HK$5,980/mo
Deposit HK$14.14M · loan HK$21.22M · min. income ≈ HK$226,916/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,502,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,884
−HK$7,079/mo
▼ 0.25% · 3.875%
HK$116,396
−HK$3,567/mo
Today · 4.125%
HK$119,963
baseline
▲ 0.50% · 4.625%
HK$127,263
+HK$7,300/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$239,926/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,583
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$128,951
−HK$3,416/mo
Today · 4.125%
HK$132,367
baseline
▲ 0.50% · 4.625%
HK$139,345
+HK$6,978/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$264,734/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,137
−HK$9,101/mo
▼ 0.25% · 3.875%
HK$149,651
−HK$4,587/mo
Today · 4.125%
HK$154,238
baseline
▲ 0.50% · 4.625%
HK$163,623
+HK$9,385/mo
Deposit HK$3.54M · loan HK$31.82M · min. income ≈ HK$308,476/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,463
−HK$8,724/mo
▼ 0.25% · 3.875%
HK$165,794
−HK$4,393/mo
Today · 4.125%
HK$170,187
baseline
▲ 0.50% · 4.625%
HK$179,157
+HK$8,970/mo
Deposit HK$3.54M · loan HK$31.82M · min. income ≈ HK$340,374/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,832 · Scale 2, in force from 26 Feb 2026)