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$80,832
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,346
−HK$2,555/mo
Today · 4.125%
HK$85,901
baseline
▲ 0.50% · 4.625%
HK$91,128
+HK$5,227/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$171,802/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,925
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,336
−HK$2,447/mo
Today · 4.125%
HK$94,783
baseline
▲ 0.50% · 4.625%
HK$99,779
+HK$4,996/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$189,566/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,998
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,015
−HK$3,066/mo
Today · 4.125%
HK$103,081
baseline
▲ 0.50% · 4.625%
HK$109,353
+HK$6,272/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,162/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,910
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,804
−HK$2,936/mo
Today · 4.125%
HK$113,740
baseline
▲ 0.50% · 4.625%
HK$119,735
+HK$5,995/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,480/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,165
−HK$7,096/mo
▼ 0.25% · 3.875%
HK$116,685
−HK$3,576/mo
Today · 4.125%
HK$120,261
baseline
▲ 0.50% · 4.625%
HK$127,579
+HK$7,318/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$240,522/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,894
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$129,271
−HK$3,425/mo
Today · 4.125%
HK$132,696
baseline
▲ 0.50% · 4.625%
HK$139,691
+HK$6,995/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$265,392/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,497
−HK$9,124/mo
▼ 0.25% · 3.875%
HK$150,023
−HK$4,598/mo
Today · 4.125%
HK$154,621
baseline
▲ 0.50% · 4.625%
HK$164,030
+HK$9,409/mo
Deposit HK$3.54M · loan HK$31.90M · min. income ≈ HK$309,242/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,864
−HK$8,745/mo
▼ 0.25% · 3.875%
HK$166,205
−HK$4,404/mo
Today · 4.125%
HK$170,609
baseline
▲ 0.50% · 4.625%
HK$179,602
+HK$8,993/mo
Deposit HK$3.54M · loan HK$31.90M · min. income ≈ HK$341,218/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,565 · Scale 2, in force from 26 Feb 2026)