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$80,696
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,206
−HK$2,550/mo
Today · 4.125%
HK$85,756
baseline
▲ 0.50% · 4.625%
HK$90,974
+HK$5,218/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$171,512/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,773
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,181
−HK$2,443/mo
Today · 4.125%
HK$94,624
baseline
▲ 0.50% · 4.625%
HK$99,611
+HK$4,987/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$189,248/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,835
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,847
−HK$3,060/mo
Today · 4.125%
HK$102,907
baseline
▲ 0.50% · 4.625%
HK$109,169
+HK$6,262/mo
Deposit HK$14.16M · loan HK$21.23M · min. income ≈ HK$205,814/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,728
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$110,617
−HK$2,931/mo
Today · 4.125%
HK$113,548
baseline
▲ 0.50% · 4.625%
HK$119,534
+HK$5,986/mo
Deposit HK$14.16M · loan HK$21.23M · min. income ≈ HK$227,096/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,974
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$116,488
−HK$3,571/mo
Today · 4.125%
HK$120,059
baseline
▲ 0.50% · 4.625%
HK$127,364
+HK$7,305/mo
Deposit HK$10.62M · loan HK$24.77M · min. income ≈ HK$240,118/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,683
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$129,053
−HK$3,420/mo
Today · 4.125%
HK$132,473
baseline
▲ 0.50% · 4.625%
HK$139,456
+HK$6,983/mo
Deposit HK$10.62M · loan HK$24.77M · min. income ≈ HK$264,946/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,253
−HK$9,108/mo
▼ 0.25% · 3.875%
HK$149,771
−HK$4,590/mo
Today · 4.125%
HK$154,361
baseline
▲ 0.50% · 4.625%
HK$163,754
+HK$9,393/mo
Deposit HK$3.54M · loan HK$31.85M · min. income ≈ HK$308,722/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,592
−HK$8,730/mo
▼ 0.25% · 3.875%
HK$165,926
−HK$4,396/mo
Today · 4.125%
HK$170,322
baseline
▲ 0.50% · 4.625%
HK$179,300
+HK$8,978/mo
Deposit HK$3.54M · loan HK$31.85M · min. income ≈ HK$340,644/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,031 · Scale 2, in force from 26 Feb 2026)