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$80,805
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,318
−HK$2,554/mo
Today · 4.125%
HK$85,872
baseline
▲ 0.50% · 4.625%
HK$91,097
+HK$5,225/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$171,744/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,506,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,895
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,306
−HK$2,445/mo
Today · 4.125%
HK$94,751
baseline
▲ 0.50% · 4.625%
HK$99,746
+HK$4,995/mo
Deposit HK$17.72M · loan HK$17.72M · min. income ≈ HK$189,502/mo (50% DSR)
Upfront cash ≈ HK$19.22M (deposit + AVD stamp duty HK$1,506,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,966
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,982
−HK$3,065/mo
Today · 4.125%
HK$103,047
baseline
▲ 0.50% · 4.625%
HK$109,317
+HK$6,270/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$206,094/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,506,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,874
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,767
−HK$2,935/mo
Today · 4.125%
HK$113,702
baseline
▲ 0.50% · 4.625%
HK$119,695
+HK$5,993/mo
Deposit HK$14.17M · loan HK$21.26M · min. income ≈ HK$227,404/mo (50% DSR)
Upfront cash ≈ HK$15.68M (deposit + AVD stamp duty HK$1,506,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,127
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$116,646
−HK$3,575/mo
Today · 4.125%
HK$120,221
baseline
▲ 0.50% · 4.625%
HK$127,536
+HK$7,315/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$240,442/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,853
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$129,228
−HK$3,424/mo
Today · 4.125%
HK$132,652
baseline
▲ 0.50% · 4.625%
HK$139,644
+HK$6,992/mo
Deposit HK$10.63M · loan HK$24.81M · min. income ≈ HK$265,304/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,449
−HK$9,121/mo
▼ 0.25% · 3.875%
HK$149,973
−HK$4,597/mo
Today · 4.125%
HK$154,570
baseline
▲ 0.50% · 4.625%
HK$163,975
+HK$9,405/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$309,140/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,810
−HK$8,742/mo
▼ 0.25% · 3.875%
HK$166,150
−HK$4,402/mo
Today · 4.125%
HK$170,552
baseline
▲ 0.50% · 4.625%
HK$179,543
+HK$8,991/mo
Deposit HK$3.54M · loan HK$31.89M · min. income ≈ HK$341,104/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,063 · Scale 2, in force from 26 Feb 2026)