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$80,269
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,766
−HK$2,537/mo
Today · 4.125%
HK$85,303
baseline
▲ 0.50% · 4.625%
HK$90,493
+HK$5,190/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$170,606/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,496,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,299
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,694
−HK$2,429/mo
Today · 4.125%
HK$94,123
baseline
▲ 0.50% · 4.625%
HK$99,084
+HK$4,961/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$188,246/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,496,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,323
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,319
−HK$3,044/mo
Today · 4.125%
HK$102,363
baseline
▲ 0.50% · 4.625%
HK$108,592
+HK$6,229/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$204,726/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,158
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,032
−HK$2,916/mo
Today · 4.125%
HK$112,948
baseline
▲ 0.50% · 4.625%
HK$118,901
+HK$5,953/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$225,896/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,377
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$115,872
−HK$3,552/mo
Today · 4.125%
HK$119,424
baseline
▲ 0.50% · 4.625%
HK$126,690
+HK$7,266/mo
Deposit HK$10.56M · loan HK$24.64M · min. income ≈ HK$238,848/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,018
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$128,371
−HK$3,401/mo
Today · 4.125%
HK$131,772
baseline
▲ 0.50% · 4.625%
HK$138,718
+HK$6,946/mo
Deposit HK$10.56M · loan HK$24.64M · min. income ≈ HK$263,544/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,484
−HK$9,061/mo
▼ 0.25% · 3.875%
HK$148,979
−HK$4,566/mo
Today · 4.125%
HK$153,545
baseline
▲ 0.50% · 4.625%
HK$162,888
+HK$9,343/mo
Deposit HK$3.52M · loan HK$31.68M · min. income ≈ HK$307,090/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,737
−HK$8,685/mo
▼ 0.25% · 3.875%
HK$165,048
−HK$4,374/mo
Today · 4.125%
HK$169,422
baseline
▲ 0.50% · 4.625%
HK$178,352
+HK$8,930/mo
Deposit HK$3.52M · loan HK$31.68M · min. income ≈ HK$338,844/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,076 · Scale 2, in force from 26 Feb 2026)