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$80,982
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,501
−HK$2,559/mo
Today · 4.125%
HK$86,060
baseline
▲ 0.50% · 4.625%
HK$91,297
+HK$5,237/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$172,120/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,092
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,508
−HK$2,451/mo
Today · 4.125%
HK$94,959
baseline
▲ 0.50% · 4.625%
HK$99,965
+HK$5,006/mo
Deposit HK$17.76M · loan HK$17.76M · min. income ≈ HK$189,918/mo (50% DSR)
Upfront cash ≈ HK$19.27M (deposit + AVD stamp duty HK$1,509,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,178
−HK$6,094/mo
▼ 0.25% · 3.875%
HK$100,201
−HK$3,071/mo
Today · 4.125%
HK$103,272
baseline
▲ 0.50% · 4.625%
HK$109,556
+HK$6,284/mo
Deposit HK$14.21M · loan HK$21.31M · min. income ≈ HK$206,544/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,110
−HK$5,841/mo
▼ 0.25% · 3.875%
HK$111,010
−HK$2,941/mo
Today · 4.125%
HK$113,951
baseline
▲ 0.50% · 4.625%
HK$119,957
+HK$6,006/mo
Deposit HK$14.21M · loan HK$21.31M · min. income ≈ HK$227,902/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,509,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,375
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,901
−HK$3,583/mo
Today · 4.125%
HK$120,484
baseline
▲ 0.50% · 4.625%
HK$127,816
+HK$7,332/mo
Deposit HK$10.65M · loan HK$24.86M · min. income ≈ HK$240,968/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,509,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,128
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$129,511
−HK$3,432/mo
Today · 4.125%
HK$132,943
baseline
▲ 0.50% · 4.625%
HK$139,950
+HK$7,007/mo
Deposit HK$10.65M · loan HK$24.86M · min. income ≈ HK$265,886/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,509,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,768
−HK$9,141/mo
▼ 0.25% · 3.875%
HK$150,302
−HK$4,607/mo
Today · 4.125%
HK$154,909
baseline
▲ 0.50% · 4.625%
HK$164,334
+HK$9,425/mo
Deposit HK$3.55M · loan HK$31.96M · min. income ≈ HK$309,818/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$162,165
−HK$8,761/mo
▼ 0.25% · 3.875%
HK$166,514
−HK$4,412/mo
Today · 4.125%
HK$170,926
baseline
▲ 0.50% · 4.625%
HK$179,936
+HK$9,010/mo
Deposit HK$3.55M · loan HK$31.96M · min. income ≈ HK$341,852/mo (50% DSR)
Upfront cash ≈ HK$5.06M (deposit + AVD stamp duty HK$1,509,365 · Scale 2, in force from 26 Feb 2026)