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$80,862
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,377
−HK$2,555/mo
Today · 4.125%
HK$85,932
baseline
▲ 0.50% · 4.625%
HK$91,161
+HK$5,229/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$171,864/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,958
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,370
−HK$2,448/mo
Today · 4.125%
HK$94,818
baseline
▲ 0.50% · 4.625%
HK$99,816
+HK$4,998/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,636/mo (50% DSR)
Upfront cash ≈ HK$19.24M (deposit + AVD stamp duty HK$1,507,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,034
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,052
−HK$3,067/mo
Today · 4.125%
HK$103,119
baseline
▲ 0.50% · 4.625%
HK$109,393
+HK$6,274/mo
Deposit HK$14.18M · loan HK$21.28M · min. income ≈ HK$206,238/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,507,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,949
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,845
−HK$2,937/mo
Today · 4.125%
HK$113,782
baseline
▲ 0.50% · 4.625%
HK$119,779
+HK$5,997/mo
Deposit HK$14.18M · loan HK$21.28M · min. income ≈ HK$227,564/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,507,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,206
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$116,728
−HK$3,577/mo
Today · 4.125%
HK$120,305
baseline
▲ 0.50% · 4.625%
HK$127,626
+HK$7,321/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$240,610/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,941
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$129,319
−HK$3,426/mo
Today · 4.125%
HK$132,745
baseline
▲ 0.50% · 4.625%
HK$139,742
+HK$6,997/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$265,490/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,507,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,551
−HK$9,127/mo
▼ 0.25% · 3.875%
HK$150,079
−HK$4,599/mo
Today · 4.125%
HK$154,678
baseline
▲ 0.50% · 4.625%
HK$164,090
+HK$9,412/mo
Deposit HK$3.55M · loan HK$31.92M · min. income ≈ HK$309,356/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,924
−HK$8,748/mo
▼ 0.25% · 3.875%
HK$166,267
−HK$4,405/mo
Today · 4.125%
HK$170,672
baseline
▲ 0.50% · 4.625%
HK$179,669
+HK$8,997/mo
Deposit HK$3.55M · loan HK$31.92M · min. income ≈ HK$341,344/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,507,122 · Scale 2, in force from 26 Feb 2026)