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$80,517
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,021
−HK$2,545/mo
Today · 4.125%
HK$85,566
baseline
▲ 0.50% · 4.625%
HK$90,772
+HK$5,206/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$171,132/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,500,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,574
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,977
−HK$2,437/mo
Today · 4.125%
HK$94,414
baseline
▲ 0.50% · 4.625%
HK$99,390
+HK$4,976/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$188,828/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,500,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,620
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,626
−HK$3,053/mo
Today · 4.125%
HK$102,679
baseline
▲ 0.50% · 4.625%
HK$108,927
+HK$6,248/mo
Deposit HK$14.12M · loan HK$21.19M · min. income ≈ HK$205,358/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,489
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,372
−HK$2,924/mo
Today · 4.125%
HK$113,296
baseline
▲ 0.50% · 4.625%
HK$119,268
+HK$5,972/mo
Deposit HK$14.12M · loan HK$21.19M · min. income ≈ HK$226,592/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,500,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,724
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$116,230
−HK$3,562/mo
Today · 4.125%
HK$119,792
baseline
▲ 0.50% · 4.625%
HK$127,081
+HK$7,289/mo
Deposit HK$10.59M · loan HK$24.72M · min. income ≈ HK$239,584/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,404
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$128,767
−HK$3,412/mo
Today · 4.125%
HK$132,179
baseline
▲ 0.50% · 4.625%
HK$139,146
+HK$6,967/mo
Deposit HK$10.59M · loan HK$24.72M · min. income ≈ HK$264,358/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,500,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,930
−HK$9,089/mo
▼ 0.25% · 3.875%
HK$149,439
−HK$4,580/mo
Today · 4.125%
HK$154,019
baseline
▲ 0.50% · 4.625%
HK$163,390
+HK$9,371/mo
Deposit HK$3.53M · loan HK$31.78M · min. income ≈ HK$308,038/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,234
−HK$8,711/mo
▼ 0.25% · 3.875%
HK$165,558
−HK$4,387/mo
Today · 4.125%
HK$169,945
baseline
▲ 0.50% · 4.625%
HK$178,903
+HK$8,958/mo
Deposit HK$3.53M · loan HK$31.78M · min. income ≈ HK$339,890/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,500,695 · Scale 2, in force from 26 Feb 2026)