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$80,802
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,315
−HK$2,554/mo
Today · 4.125%
HK$85,869
baseline
▲ 0.50% · 4.625%
HK$91,094
+HK$5,225/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$171,738/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,506,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,891
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,302
−HK$2,446/mo
Today · 4.125%
HK$94,748
baseline
▲ 0.50% · 4.625%
HK$99,742
+HK$4,994/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$189,496/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,506,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,962
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,979
−HK$3,064/mo
Today · 4.125%
HK$103,043
baseline
▲ 0.50% · 4.625%
HK$109,313
+HK$6,270/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$206,086/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,506,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,870
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,763
−HK$2,935/mo
Today · 4.125%
HK$113,698
baseline
▲ 0.50% · 4.625%
HK$119,691
+HK$5,993/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$227,396/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,506,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,123
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$116,642
−HK$3,575/mo
Today · 4.125%
HK$120,217
baseline
▲ 0.50% · 4.625%
HK$127,532
+HK$7,315/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$240,434/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,848
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$129,223
−HK$3,424/mo
Today · 4.125%
HK$132,647
baseline
▲ 0.50% · 4.625%
HK$139,639
+HK$6,992/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$265,294/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,444
−HK$9,120/mo
▼ 0.25% · 3.875%
HK$149,968
−HK$4,596/mo
Today · 4.125%
HK$154,564
baseline
▲ 0.50% · 4.625%
HK$163,969
+HK$9,405/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$309,128/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,805
−HK$8,741/mo
▼ 0.25% · 3.875%
HK$166,144
−HK$4,402/mo
Today · 4.125%
HK$170,546
baseline
▲ 0.50% · 4.625%
HK$179,536
+HK$8,990/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$341,092/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,010 · Scale 2, in force from 26 Feb 2026)