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$80,635
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,143
−HK$2,548/mo
Today · 4.125%
HK$85,691
baseline
▲ 0.50% · 4.625%
HK$90,905
+HK$5,214/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$171,382/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,705
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,111
−HK$2,441/mo
Today · 4.125%
HK$94,552
baseline
▲ 0.50% · 4.625%
HK$99,536
+HK$4,984/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$189,104/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,762
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,772
−HK$3,058/mo
Today · 4.125%
HK$102,830
baseline
▲ 0.50% · 4.625%
HK$109,087
+HK$6,257/mo
Deposit HK$14.14M · loan HK$21.22M · min. income ≈ HK$205,660/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,502,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,647
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,534
−HK$2,928/mo
Today · 4.125%
HK$113,462
baseline
▲ 0.50% · 4.625%
HK$119,443
+HK$5,981/mo
Deposit HK$14.14M · loan HK$21.22M · min. income ≈ HK$226,924/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,502,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,889
−HK$7,079/mo
▼ 0.25% · 3.875%
HK$116,400
−HK$3,568/mo
Today · 4.125%
HK$119,968
baseline
▲ 0.50% · 4.625%
HK$127,268
+HK$7,300/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$239,936/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,588
−HK$6,785/mo
▼ 0.25% · 3.875%
HK$128,956
−HK$3,417/mo
Today · 4.125%
HK$132,373
baseline
▲ 0.50% · 4.625%
HK$139,350
+HK$6,977/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$264,746/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,143
−HK$9,101/mo
▼ 0.25% · 3.875%
HK$149,657
−HK$4,587/mo
Today · 4.125%
HK$154,244
baseline
▲ 0.50% · 4.625%
HK$163,630
+HK$9,386/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$308,488/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,470
−HK$8,723/mo
▼ 0.25% · 3.875%
HK$165,800
−HK$4,393/mo
Today · 4.125%
HK$170,193
baseline
▲ 0.50% · 4.625%
HK$179,165
+HK$8,972/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$340,386/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,893 · Scale 2, in force from 26 Feb 2026)