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$80,700
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,211
−HK$2,550/mo
Today · 4.125%
HK$85,761
baseline
▲ 0.50% · 4.625%
HK$90,979
+HK$5,218/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$171,522/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,778
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,186
−HK$2,443/mo
Today · 4.125%
HK$94,629
baseline
▲ 0.50% · 4.625%
HK$99,617
+HK$4,988/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$189,258/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,841
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,853
−HK$3,060/mo
Today · 4.125%
HK$102,913
baseline
▲ 0.50% · 4.625%
HK$109,175
+HK$6,262/mo
Deposit HK$14.16M · loan HK$21.23M · min. income ≈ HK$205,826/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,734
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$110,623
−HK$2,932/mo
Today · 4.125%
HK$113,555
baseline
▲ 0.50% · 4.625%
HK$119,540
+HK$5,985/mo
Deposit HK$14.16M · loan HK$21.23M · min. income ≈ HK$227,110/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,981
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$116,495
−HK$3,570/mo
Today · 4.125%
HK$120,065
baseline
▲ 0.50% · 4.625%
HK$127,371
+HK$7,306/mo
Deposit HK$10.62M · loan HK$24.77M · min. income ≈ HK$240,130/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,690
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$129,061
−HK$3,419/mo
Today · 4.125%
HK$132,480
baseline
▲ 0.50% · 4.625%
HK$139,464
+HK$6,984/mo
Deposit HK$10.62M · loan HK$24.77M · min. income ≈ HK$264,960/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,261
−HK$9,109/mo
▼ 0.25% · 3.875%
HK$149,779
−HK$4,591/mo
Today · 4.125%
HK$154,370
baseline
▲ 0.50% · 4.625%
HK$163,763
+HK$9,393/mo
Deposit HK$3.54M · loan HK$31.85M · min. income ≈ HK$308,740/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,601
−HK$8,731/mo
▼ 0.25% · 3.875%
HK$165,935
−HK$4,397/mo
Today · 4.125%
HK$170,332
baseline
▲ 0.50% · 4.625%
HK$179,310
+HK$8,978/mo
Deposit HK$3.54M · loan HK$31.85M · min. income ≈ HK$340,664/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,116 · Scale 2, in force from 26 Feb 2026)