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$80,617
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,124
−HK$2,548/mo
Today · 4.125%
HK$85,672
baseline
▲ 0.50% · 4.625%
HK$90,885
+HK$5,213/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$171,344/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,685
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,090
−HK$2,441/mo
Today · 4.125%
HK$94,531
baseline
▲ 0.50% · 4.625%
HK$99,513
+HK$4,982/mo
Deposit HK$17.68M · loan HK$17.68M · min. income ≈ HK$189,062/mo (50% DSR)
Upfront cash ≈ HK$19.18M (deposit + AVD stamp duty HK$1,502,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,740
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,749
−HK$3,057/mo
Today · 4.125%
HK$102,806
baseline
▲ 0.50% · 4.625%
HK$109,062
+HK$6,256/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$205,612/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,622
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,509
−HK$2,928/mo
Today · 4.125%
HK$113,437
baseline
▲ 0.50% · 4.625%
HK$119,416
+HK$5,979/mo
Deposit HK$14.14M · loan HK$21.21M · min. income ≈ HK$226,874/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,502,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,863
−HK$7,078/mo
▼ 0.25% · 3.875%
HK$116,374
−HK$3,567/mo
Today · 4.125%
HK$119,941
baseline
▲ 0.50% · 4.625%
HK$127,239
+HK$7,298/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$239,882/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,559
−HK$6,784/mo
▼ 0.25% · 3.875%
HK$128,927
−HK$3,416/mo
Today · 4.125%
HK$132,343
baseline
▲ 0.50% · 4.625%
HK$139,319
+HK$6,976/mo
Deposit HK$10.61M · loan HK$24.75M · min. income ≈ HK$264,686/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,502,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,110
−HK$9,100/mo
▼ 0.25% · 3.875%
HK$149,624
−HK$4,586/mo
Today · 4.125%
HK$154,210
baseline
▲ 0.50% · 4.625%
HK$163,593
+HK$9,383/mo
Deposit HK$3.54M · loan HK$31.82M · min. income ≈ HK$308,420/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,433
−HK$8,722/mo
▼ 0.25% · 3.875%
HK$165,763
−HK$4,392/mo
Today · 4.125%
HK$170,155
baseline
▲ 0.50% · 4.625%
HK$179,124
+HK$8,969/mo
Deposit HK$3.54M · loan HK$31.82M · min. income ≈ HK$340,310/mo (50% DSR)
Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$1,502,554 · Scale 2, in force from 26 Feb 2026)