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$80,873
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,389
−HK$2,556/mo
Today · 4.125%
HK$85,945
baseline
▲ 0.50% · 4.625%
HK$91,174
+HK$5,229/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$171,890/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,971
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,384
−HK$2,448/mo
Today · 4.125%
HK$94,832
baseline
▲ 0.50% · 4.625%
HK$99,830
+HK$4,998/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,664/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,048
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,067
−HK$3,067/mo
Today · 4.125%
HK$103,134
baseline
▲ 0.50% · 4.625%
HK$109,409
+HK$6,275/mo
Deposit HK$14.19M · loan HK$21.28M · min. income ≈ HK$206,268/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,507,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,965
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,861
−HK$2,937/mo
Today · 4.125%
HK$113,798
baseline
▲ 0.50% · 4.625%
HK$119,797
+HK$5,999/mo
Deposit HK$14.19M · loan HK$21.28M · min. income ≈ HK$227,596/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,507,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,223
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$116,745
−HK$3,578/mo
Today · 4.125%
HK$120,323
baseline
▲ 0.50% · 4.625%
HK$127,644
+HK$7,321/mo
Deposit HK$10.64M · loan HK$24.83M · min. income ≈ HK$240,646/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,959
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$129,337
−HK$3,427/mo
Today · 4.125%
HK$132,764
baseline
▲ 0.50% · 4.625%
HK$139,763
+HK$6,999/mo
Deposit HK$10.64M · loan HK$24.83M · min. income ≈ HK$265,528/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,572
−HK$9,129/mo
▼ 0.25% · 3.875%
HK$150,100
−HK$4,601/mo
Today · 4.125%
HK$154,701
baseline
▲ 0.50% · 4.625%
HK$164,114
+HK$9,413/mo
Deposit HK$3.55M · loan HK$31.92M · min. income ≈ HK$309,402/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,948
−HK$8,749/mo
▼ 0.25% · 3.875%
HK$166,291
−HK$4,406/mo
Today · 4.125%
HK$170,697
baseline
▲ 0.50% · 4.625%
HK$179,695
+HK$8,998/mo
Deposit HK$3.55M · loan HK$31.92M · min. income ≈ HK$341,394/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,341 · Scale 2, in force from 26 Feb 2026)