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$80,730
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,242
−HK$2,551/mo
Today · 4.125%
HK$85,793
baseline
▲ 0.50% · 4.625%
HK$91,013
+HK$5,220/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$171,586/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,504,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,812
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,220
−HK$2,444/mo
Today · 4.125%
HK$94,664
baseline
▲ 0.50% · 4.625%
HK$99,654
+HK$4,990/mo
Deposit HK$17.70M · loan HK$17.70M · min. income ≈ HK$189,328/mo (50% DSR)
Upfront cash ≈ HK$19.21M (deposit + AVD stamp duty HK$1,504,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,876
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,890
−HK$3,061/mo
Today · 4.125%
HK$102,951
baseline
▲ 0.50% · 4.625%
HK$109,216
+HK$6,265/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$205,902/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,504,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,774
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,665
−HK$2,932/mo
Today · 4.125%
HK$113,597
baseline
▲ 0.50% · 4.625%
HK$119,585
+HK$5,988/mo
Deposit HK$14.16M · loan HK$21.24M · min. income ≈ HK$227,194/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,504,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,023
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,538
−HK$3,572/mo
Today · 4.125%
HK$120,110
baseline
▲ 0.50% · 4.625%
HK$127,418
+HK$7,308/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$240,220/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,504,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,736
−HK$6,794/mo
▼ 0.25% · 3.875%
HK$129,109
−HK$3,421/mo
Today · 4.125%
HK$132,530
baseline
▲ 0.50% · 4.625%
HK$139,515
+HK$6,985/mo
Deposit HK$10.62M · loan HK$24.78M · min. income ≈ HK$265,060/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,504,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,315
−HK$9,112/mo
▼ 0.25% · 3.875%
HK$149,835
−HK$4,592/mo
Today · 4.125%
HK$154,427
baseline
▲ 0.50% · 4.625%
HK$163,824
+HK$9,397/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$308,854/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,504,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,661
−HK$8,734/mo
▼ 0.25% · 3.875%
HK$165,997
−HK$4,398/mo
Today · 4.125%
HK$170,395
baseline
▲ 0.50% · 4.625%
HK$179,377
+HK$8,982/mo
Deposit HK$3.54M · loan HK$31.86M · min. income ≈ HK$340,790/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,504,674 · Scale 2, in force from 26 Feb 2026)