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$80,921
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,438
−HK$2,557/mo
Today · 4.125%
HK$85,995
baseline
▲ 0.50% · 4.625%
HK$91,228
+HK$5,233/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$171,990/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,508,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,023
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,438
−HK$2,449/mo
Today · 4.125%
HK$94,887
baseline
▲ 0.50% · 4.625%
HK$99,889
+HK$5,002/mo
Deposit HK$17.74M · loan HK$17.74M · min. income ≈ HK$189,774/mo (50% DSR)
Upfront cash ≈ HK$19.25M (deposit + AVD stamp duty HK$1,508,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,105
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,125
−HK$3,069/mo
Today · 4.125%
HK$103,194
baseline
▲ 0.50% · 4.625%
HK$109,473
+HK$6,279/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$206,388/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,508,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,028
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$110,925
−HK$2,939/mo
Today · 4.125%
HK$113,864
baseline
▲ 0.50% · 4.625%
HK$119,866
+HK$6,002/mo
Deposit HK$14.19M · loan HK$21.29M · min. income ≈ HK$227,728/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,508,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,289
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$116,813
−HK$3,580/mo
Today · 4.125%
HK$120,393
baseline
▲ 0.50% · 4.625%
HK$127,719
+HK$7,326/mo
Deposit HK$10.65M · loan HK$24.84M · min. income ≈ HK$240,786/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,508,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,033
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$129,413
−HK$3,429/mo
Today · 4.125%
HK$132,842
baseline
▲ 0.50% · 4.625%
HK$139,844
+HK$7,002/mo
Deposit HK$10.65M · loan HK$24.84M · min. income ≈ HK$265,684/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,508,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,657
−HK$9,134/mo
▼ 0.25% · 3.875%
HK$150,188
−HK$4,603/mo
Today · 4.125%
HK$154,791
baseline
▲ 0.50% · 4.625%
HK$164,210
+HK$9,419/mo
Deposit HK$3.55M · loan HK$31.94M · min. income ≈ HK$309,582/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,508,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,042
−HK$8,755/mo
▼ 0.25% · 3.875%
HK$166,388
−HK$4,409/mo
Today · 4.125%
HK$170,797
baseline
▲ 0.50% · 4.625%
HK$179,799
+HK$9,002/mo
Deposit HK$3.55M · loan HK$31.94M · min. income ≈ HK$341,594/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,508,218 · Scale 2, in force from 26 Feb 2026)