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$80,847
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,362
−HK$2,555/mo
Today · 4.125%
HK$85,917
baseline
▲ 0.50% · 4.625%
HK$91,144
+HK$5,227/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$171,834/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,941
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,353
−HK$2,447/mo
Today · 4.125%
HK$94,800
baseline
▲ 0.50% · 4.625%
HK$99,797
+HK$4,997/mo
Deposit HK$17.73M · loan HK$17.73M · min. income ≈ HK$189,600/mo (50% DSR)
Upfront cash ≈ HK$19.23M (deposit + AVD stamp duty HK$1,506,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,016
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,034
−HK$3,066/mo
Today · 4.125%
HK$103,100
baseline
▲ 0.50% · 4.625%
HK$109,373
+HK$6,273/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$206,200/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,929
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,824
−HK$2,936/mo
Today · 4.125%
HK$113,760
baseline
▲ 0.50% · 4.625%
HK$119,757
+HK$5,997/mo
Deposit HK$14.18M · loan HK$21.27M · min. income ≈ HK$227,520/mo (50% DSR)
Upfront cash ≈ HK$15.69M (deposit + AVD stamp duty HK$1,506,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,185
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,706
−HK$3,577/mo
Today · 4.125%
HK$120,283
baseline
▲ 0.50% · 4.625%
HK$127,602
+HK$7,319/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$240,566/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,918
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,295
−HK$3,426/mo
Today · 4.125%
HK$132,721
baseline
▲ 0.50% · 4.625%
HK$139,716
+HK$6,995/mo
Deposit HK$10.64M · loan HK$24.82M · min. income ≈ HK$265,442/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,506,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,524
−HK$9,126/mo
▼ 0.25% · 3.875%
HK$150,051
−HK$4,599/mo
Today · 4.125%
HK$154,650
baseline
▲ 0.50% · 4.625%
HK$164,060
+HK$9,410/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$309,300/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,894
−HK$8,747/mo
▼ 0.25% · 3.875%
HK$166,236
−HK$4,405/mo
Today · 4.125%
HK$170,641
baseline
▲ 0.50% · 4.625%
HK$179,635
+HK$8,994/mo
Deposit HK$3.55M · loan HK$31.91M · min. income ≈ HK$341,282/mo (50% DSR)
Upfront cash ≈ HK$5.05M (deposit + AVD stamp duty HK$1,506,842 · Scale 2, in force from 26 Feb 2026)