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$80,787
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,300
−HK$2,553/mo
Today · 4.125%
HK$85,853
baseline
▲ 0.50% · 4.625%
HK$91,077
+HK$5,224/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$171,706/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,875
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,285
−HK$2,445/mo
Today · 4.125%
HK$94,730
baseline
▲ 0.50% · 4.625%
HK$99,724
+HK$4,994/mo
Deposit HK$17.71M · loan HK$17.71M · min. income ≈ HK$189,460/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,505,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,944
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,960
−HK$3,064/mo
Today · 4.125%
HK$103,024
baseline
▲ 0.50% · 4.625%
HK$109,292
+HK$6,268/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$206,048/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,850
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,742
−HK$2,935/mo
Today · 4.125%
HK$113,677
baseline
▲ 0.50% · 4.625%
HK$119,669
+HK$5,992/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$227,354/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,505,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,102
−HK$7,092/mo
▼ 0.25% · 3.875%
HK$116,620
−HK$3,574/mo
Today · 4.125%
HK$120,194
baseline
▲ 0.50% · 4.625%
HK$127,508
+HK$7,314/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$240,388/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,825
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$129,199
−HK$3,424/mo
Today · 4.125%
HK$132,623
baseline
▲ 0.50% · 4.625%
HK$139,613
+HK$6,990/mo
Deposit HK$10.63M · loan HK$24.80M · min. income ≈ HK$265,246/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,505,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,417
−HK$9,119/mo
▼ 0.25% · 3.875%
HK$149,940
−HK$4,596/mo
Today · 4.125%
HK$154,536
baseline
▲ 0.50% · 4.625%
HK$163,939
+HK$9,403/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$309,072/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,775
−HK$8,740/mo
▼ 0.25% · 3.875%
HK$166,113
−HK$4,402/mo
Today · 4.125%
HK$170,515
baseline
▲ 0.50% · 4.625%
HK$179,503
+HK$8,988/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$341,030/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,505,730 · Scale 2, in force from 26 Feb 2026)