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$80,304
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,802
−HK$2,538/mo
Today · 4.125%
HK$85,340
baseline
▲ 0.50% · 4.625%
HK$90,532
+HK$5,192/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$170,680/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,496,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,337
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,733
−HK$2,431/mo
Today · 4.125%
HK$94,164
baseline
▲ 0.50% · 4.625%
HK$99,127
+HK$4,963/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$188,328/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,496,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,365
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$99,362
−HK$3,046/mo
Today · 4.125%
HK$102,408
baseline
▲ 0.50% · 4.625%
HK$108,639
+HK$6,231/mo
Deposit HK$14.09M · loan HK$21.13M · min. income ≈ HK$204,816/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,205
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,080
−HK$2,917/mo
Today · 4.125%
HK$112,997
baseline
▲ 0.50% · 4.625%
HK$118,953
+HK$5,956/mo
Deposit HK$14.09M · loan HK$21.13M · min. income ≈ HK$225,994/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,496,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,425
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$115,923
−HK$3,553/mo
Today · 4.125%
HK$119,476
baseline
▲ 0.50% · 4.625%
HK$126,745
+HK$7,269/mo
Deposit HK$10.57M · loan HK$24.65M · min. income ≈ HK$238,952/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,072
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$128,427
−HK$3,402/mo
Today · 4.125%
HK$131,829
baseline
▲ 0.50% · 4.625%
HK$138,778
+HK$6,949/mo
Deposit HK$10.57M · loan HK$24.65M · min. income ≈ HK$263,658/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,496,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,547
−HK$9,064/mo
▼ 0.25% · 3.875%
HK$149,043
−HK$4,568/mo
Today · 4.125%
HK$153,611
baseline
▲ 0.50% · 4.625%
HK$162,958
+HK$9,347/mo
Deposit HK$3.52M · loan HK$31.70M · min. income ≈ HK$307,222/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,807
−HK$8,688/mo
▼ 0.25% · 3.875%
HK$165,120
−HK$4,375/mo
Today · 4.125%
HK$169,495
baseline
▲ 0.50% · 4.625%
HK$178,429
+HK$8,934/mo
Deposit HK$3.52M · loan HK$31.70M · min. income ≈ HK$338,990/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,496,725 · Scale 2, in force from 26 Feb 2026)