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$80,731
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,242
−HK$2,552/mo
Today · 4.125%
HK$85,794
baseline
▲ 0.50% · 4.625%
HK$91,014
+HK$5,220/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$171,588/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,504,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,813
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,221
−HK$2,444/mo
Today · 4.125%
HK$94,665
baseline
▲ 0.50% · 4.625%
HK$99,655
+HK$4,990/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$189,330/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,504,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,878
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,891
−HK$3,062/mo
Today · 4.125%
HK$102,953
baseline
▲ 0.50% · 4.625%
HK$109,217
+HK$6,264/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$205,906/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,504,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,775
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,666
−HK$2,932/mo
Today · 4.125%
HK$113,598
baseline
▲ 0.50% · 4.625%
HK$119,586
+HK$5,988/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$227,196/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,504,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,024
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,539
−HK$3,572/mo
Today · 4.125%
HK$120,111
baseline
▲ 0.50% · 4.625%
HK$127,420
+HK$7,309/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$240,222/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,504,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,738
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$129,110
−HK$3,421/mo
Today · 4.125%
HK$132,531
baseline
▲ 0.50% · 4.625%
HK$139,517
+HK$6,986/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$265,062/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,504,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,316
−HK$9,113/mo
▼ 0.25% · 3.875%
HK$149,836
−HK$4,593/mo
Today · 4.125%
HK$154,429
baseline
▲ 0.50% · 4.625%
HK$163,826
+HK$9,397/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$308,858/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,504,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,663
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$165,999
−HK$4,398/mo
Today · 4.125%
HK$170,397
baseline
▲ 0.50% · 4.625%
HK$179,379
+HK$8,982/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$340,794/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,504,691 · Scale 2, in force from 26 Feb 2026)