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$80,670
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,179
−HK$2,550/mo
Today · 4.125%
HK$85,729
baseline
▲ 0.50% · 4.625%
HK$90,945
+HK$5,216/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$171,458/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,745
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,151
−HK$2,442/mo
Today · 4.125%
HK$94,593
baseline
▲ 0.50% · 4.625%
HK$99,579
+HK$4,986/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$189,186/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,804
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,815
−HK$3,059/mo
Today · 4.125%
HK$102,874
baseline
▲ 0.50% · 4.625%
HK$109,134
+HK$6,260/mo
Deposit HK$14.15M · loan HK$21.23M · min. income ≈ HK$205,748/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,693
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,582
−HK$2,930/mo
Today · 4.125%
HK$113,512
baseline
▲ 0.50% · 4.625%
HK$119,495
+HK$5,983/mo
Deposit HK$14.15M · loan HK$21.23M · min. income ≈ HK$227,024/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,938
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$116,451
−HK$3,569/mo
Today · 4.125%
HK$120,020
baseline
▲ 0.50% · 4.625%
HK$127,323
+HK$7,303/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$240,040/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,503,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,642
−HK$6,788/mo
▼ 0.25% · 3.875%
HK$129,012
−HK$3,418/mo
Today · 4.125%
HK$132,430
baseline
▲ 0.50% · 4.625%
HK$139,411
+HK$6,981/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$264,860/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,503,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,206
−HK$9,106/mo
▼ 0.25% · 3.875%
HK$149,723
−HK$4,589/mo
Today · 4.125%
HK$154,312
baseline
▲ 0.50% · 4.625%
HK$163,701
+HK$9,389/mo
Deposit HK$3.54M · loan HK$31.84M · min. income ≈ HK$308,624/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,540
−HK$8,728/mo
▼ 0.25% · 3.875%
HK$165,873
−HK$4,395/mo
Today · 4.125%
HK$170,268
baseline
▲ 0.50% · 4.625%
HK$179,243
+HK$8,975/mo
Deposit HK$3.54M · loan HK$31.84M · min. income ≈ HK$340,536/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,548 · Scale 2, in force from 26 Feb 2026)