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$80,857
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$83,373
−HK$2,555/mo
Today · 4.125%
HK$85,928
baseline
▲ 0.50% · 4.625%
HK$91,156
+HK$5,228/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$171,856/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,953
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,366
−HK$2,447/mo
Today · 4.125%
HK$94,813
baseline
▲ 0.50% · 4.625%
HK$99,811
+HK$4,998/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,626/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,029
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,047
−HK$3,066/mo
Today · 4.125%
HK$103,113
baseline
▲ 0.50% · 4.625%
HK$109,388
+HK$6,275/mo
Deposit HK$14.18M · loan HK$21.28M · min. income ≈ HK$206,226/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,507,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,944
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,839
−HK$2,936/mo
Today · 4.125%
HK$113,775
baseline
▲ 0.50% · 4.625%
HK$119,773
+HK$5,998/mo
Deposit HK$14.18M · loan HK$21.28M · min. income ≈ HK$227,550/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,507,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,200
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$116,722
−HK$3,577/mo
Today · 4.125%
HK$120,299
baseline
▲ 0.50% · 4.625%
HK$127,619
+HK$7,320/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$240,598/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,507,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,934
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$129,312
−HK$3,426/mo
Today · 4.125%
HK$132,738
baseline
▲ 0.50% · 4.625%
HK$139,735
+HK$6,997/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$265,476/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,507,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,543
−HK$9,127/mo
▼ 0.25% · 3.875%
HK$150,071
−HK$4,599/mo
Today · 4.125%
HK$154,670
baseline
▲ 0.50% · 4.625%
HK$164,081
+HK$9,411/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$309,340/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,915
−HK$8,748/mo
▼ 0.25% · 3.875%
HK$166,258
−HK$4,405/mo
Today · 4.125%
HK$170,663
baseline
▲ 0.50% · 4.625%
HK$179,659
+HK$8,996/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$341,326/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,041 · Scale 2, in force from 26 Feb 2026)