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$80,534
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,039
−HK$2,546/mo
Today · 4.125%
HK$85,585
baseline
▲ 0.50% · 4.625%
HK$90,792
+HK$5,207/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$171,170/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,501,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,594
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,996
−HK$2,438/mo
Today · 4.125%
HK$94,434
baseline
▲ 0.50% · 4.625%
HK$99,412
+HK$4,978/mo
Deposit HK$17.66M · loan HK$17.66M · min. income ≈ HK$188,868/mo (50% DSR)
Upfront cash ≈ HK$19.16M (deposit + AVD stamp duty HK$1,501,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,641
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$99,647
−HK$3,054/mo
Today · 4.125%
HK$102,701
baseline
▲ 0.50% · 4.625%
HK$108,951
+HK$6,250/mo
Deposit HK$14.13M · loan HK$21.19M · min. income ≈ HK$205,402/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,501,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,512
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$110,396
−HK$2,925/mo
Today · 4.125%
HK$113,321
baseline
▲ 0.50% · 4.625%
HK$119,294
+HK$5,973/mo
Deposit HK$14.13M · loan HK$21.19M · min. income ≈ HK$226,642/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,501,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,748
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$116,255
−HK$3,563/mo
Today · 4.125%
HK$119,818
baseline
▲ 0.50% · 4.625%
HK$127,109
+HK$7,291/mo
Deposit HK$10.60M · loan HK$24.72M · min. income ≈ HK$239,636/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,431
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$128,795
−HK$3,413/mo
Today · 4.125%
HK$132,208
baseline
▲ 0.50% · 4.625%
HK$139,177
+HK$6,969/mo
Deposit HK$10.60M · loan HK$24.72M · min. income ≈ HK$264,416/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,501,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,962
−HK$9,090/mo
▼ 0.25% · 3.875%
HK$149,471
−HK$4,581/mo
Today · 4.125%
HK$154,052
baseline
▲ 0.50% · 4.625%
HK$163,426
+HK$9,374/mo
Deposit HK$3.53M · loan HK$31.79M · min. income ≈ HK$308,104/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,501,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,269
−HK$8,712/mo
▼ 0.25% · 3.875%
HK$165,594
−HK$4,387/mo
Today · 4.125%
HK$169,981
baseline
▲ 0.50% · 4.625%
HK$178,941
+HK$8,960/mo
Deposit HK$3.53M · loan HK$31.79M · min. income ≈ HK$339,962/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,501,020 · Scale 2, in force from 26 Feb 2026)