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$80,771
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,284
−HK$2,552/mo
Today · 4.125%
HK$85,836
baseline
▲ 0.50% · 4.625%
HK$91,059
+HK$5,223/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$171,672/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,857
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,267
−HK$2,445/mo
Today · 4.125%
HK$94,712
baseline
▲ 0.50% · 4.625%
HK$99,704
+HK$4,992/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$189,424/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,925
−HK$6,079/mo
▼ 0.25% · 3.875%
HK$99,940
−HK$3,064/mo
Today · 4.125%
HK$103,004
baseline
▲ 0.50% · 4.625%
HK$109,271
+HK$6,267/mo
Deposit HK$14.17M · loan HK$21.25M · min. income ≈ HK$206,008/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,829
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,721
−HK$2,933/mo
Today · 4.125%
HK$113,654
baseline
▲ 0.50% · 4.625%
HK$119,645
+HK$5,991/mo
Deposit HK$14.17M · loan HK$21.25M · min. income ≈ HK$227,308/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,080
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$116,597
−HK$3,574/mo
Today · 4.125%
HK$120,171
baseline
▲ 0.50% · 4.625%
HK$127,483
+HK$7,312/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$240,342/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,800
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$129,174
−HK$3,423/mo
Today · 4.125%
HK$132,597
baseline
▲ 0.50% · 4.625%
HK$139,586
+HK$6,989/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$265,194/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,388
−HK$9,117/mo
▼ 0.25% · 3.875%
HK$149,911
−HK$4,594/mo
Today · 4.125%
HK$154,505
baseline
▲ 0.50% · 4.625%
HK$163,907
+HK$9,402/mo
Deposit HK$3.54M · loan HK$31.88M · min. income ≈ HK$309,010/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,743
−HK$8,738/mo
▼ 0.25% · 3.875%
HK$166,081
−HK$4,400/mo
Today · 4.125%
HK$170,481
baseline
▲ 0.50% · 4.625%
HK$179,468
+HK$8,987/mo
Deposit HK$3.54M · loan HK$31.88M · min. income ≈ HK$340,962/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,436 · Scale 2, in force from 26 Feb 2026)