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$80,659
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,168
−HK$2,549/mo
Today · 4.125%
HK$85,717
baseline
▲ 0.50% · 4.625%
HK$90,932
+HK$5,215/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$171,434/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,732
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,138
−HK$2,442/mo
Today · 4.125%
HK$94,580
baseline
▲ 0.50% · 4.625%
HK$99,565
+HK$4,985/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$189,160/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,790
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,801
−HK$3,059/mo
Today · 4.125%
HK$102,860
baseline
▲ 0.50% · 4.625%
HK$109,119
+HK$6,259/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$205,720/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,678
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,566
−HK$2,930/mo
Today · 4.125%
HK$113,496
baseline
▲ 0.50% · 4.625%
HK$119,478
+HK$5,982/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$226,992/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,922
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$116,435
−HK$3,568/mo
Today · 4.125%
HK$120,003
baseline
▲ 0.50% · 4.625%
HK$127,305
+HK$7,302/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$240,006/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,503,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,625
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$128,994
−HK$3,418/mo
Today · 4.125%
HK$132,412
baseline
▲ 0.50% · 4.625%
HK$139,391
+HK$6,979/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$264,824/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,503,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,186
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$149,702
−HK$4,588/mo
Today · 4.125%
HK$154,290
baseline
▲ 0.50% · 4.625%
HK$163,678
+HK$9,388/mo
Deposit HK$3.54M · loan HK$31.84M · min. income ≈ HK$308,580/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,517
−HK$8,727/mo
▼ 0.25% · 3.875%
HK$165,849
−HK$4,395/mo
Today · 4.125%
HK$170,244
baseline
▲ 0.50% · 4.625%
HK$179,218
+HK$8,974/mo
Deposit HK$3.54M · loan HK$31.84M · min. income ≈ HK$340,488/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,337 · Scale 2, in force from 26 Feb 2026)