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$80,723
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,234
−HK$2,551/mo
Today · 4.125%
HK$85,785
baseline
▲ 0.50% · 4.625%
HK$91,005
+HK$5,220/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$171,570/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,803
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,212
−HK$2,443/mo
Today · 4.125%
HK$94,655
baseline
▲ 0.50% · 4.625%
HK$99,645
+HK$4,990/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$189,310/mo (50% DSR)
Upfront cash ≈ HK$19.20M (deposit + AVD stamp duty HK$1,504,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,868
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,881
−HK$3,061/mo
Today · 4.125%
HK$102,942
baseline
▲ 0.50% · 4.625%
HK$109,206
+HK$6,264/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$205,884/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,764
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,654
−HK$2,932/mo
Today · 4.125%
HK$113,586
baseline
▲ 0.50% · 4.625%
HK$119,574
+HK$5,988/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$227,172/mo (50% DSR)
Upfront cash ≈ HK$15.66M (deposit + AVD stamp duty HK$1,504,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,012
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,527
−HK$3,572/mo
Today · 4.125%
HK$120,099
baseline
▲ 0.50% · 4.625%
HK$127,407
+HK$7,308/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$240,198/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,725
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,097
−HK$3,420/mo
Today · 4.125%
HK$132,517
baseline
▲ 0.50% · 4.625%
HK$139,503
+HK$6,986/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$265,034/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,504,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,301
−HK$9,112/mo
▼ 0.25% · 3.875%
HK$149,821
−HK$4,592/mo
Today · 4.125%
HK$154,413
baseline
▲ 0.50% · 4.625%
HK$163,809
+HK$9,396/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$308,826/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,646
−HK$8,733/mo
▼ 0.25% · 3.875%
HK$165,981
−HK$4,398/mo
Today · 4.125%
HK$170,379
baseline
▲ 0.50% · 4.625%
HK$179,360
+HK$8,981/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$340,758/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,504,535 · Scale 2, in force from 26 Feb 2026)