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$80,657
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,166
−HK$2,549/mo
Today · 4.125%
HK$85,715
baseline
▲ 0.50% · 4.625%
HK$90,931
+HK$5,216/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$171,430/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,730
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,137
−HK$2,441/mo
Today · 4.125%
HK$94,578
baseline
▲ 0.50% · 4.625%
HK$99,564
+HK$4,986/mo
Deposit HK$17.69M · loan HK$17.69M · min. income ≈ HK$189,156/mo (50% DSR)
Upfront cash ≈ HK$19.19M (deposit + AVD stamp duty HK$1,503,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,789
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$99,799
−HK$3,059/mo
Today · 4.125%
HK$102,858
baseline
▲ 0.50% · 4.625%
HK$109,117
+HK$6,259/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$205,716/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,677
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,564
−HK$2,930/mo
Today · 4.125%
HK$113,494
baseline
▲ 0.50% · 4.625%
HK$119,476
+HK$5,982/mo
Deposit HK$14.15M · loan HK$21.22M · min. income ≈ HK$226,988/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,503,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,920
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$116,433
−HK$3,568/mo
Today · 4.125%
HK$120,001
baseline
▲ 0.50% · 4.625%
HK$127,303
+HK$7,302/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$240,002/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,503,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,623
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$128,992
−HK$3,418/mo
Today · 4.125%
HK$132,410
baseline
▲ 0.50% · 4.625%
HK$139,389
+HK$6,979/mo
Deposit HK$10.61M · loan HK$24.76M · min. income ≈ HK$264,820/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,503,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,183
−HK$9,104/mo
▼ 0.25% · 3.875%
HK$149,699
−HK$4,588/mo
Today · 4.125%
HK$154,287
baseline
▲ 0.50% · 4.625%
HK$163,675
+HK$9,388/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$308,574/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,515
−HK$8,726/mo
▼ 0.25% · 3.875%
HK$165,847
−HK$4,394/mo
Today · 4.125%
HK$170,241
baseline
▲ 0.50% · 4.625%
HK$179,215
+HK$8,974/mo
Deposit HK$3.54M · loan HK$31.83M · min. income ≈ HK$340,482/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,503,312 · Scale 2, in force from 26 Feb 2026)