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$80,430
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,932
−HK$2,542/mo
Today · 4.125%
HK$85,474
baseline
▲ 0.50% · 4.625%
HK$90,675
+HK$5,201/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$170,948/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,478
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,878
−HK$2,434/mo
Today · 4.125%
HK$94,312
baseline
▲ 0.50% · 4.625%
HK$99,283
+HK$4,971/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$188,624/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,516
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,519
−HK$3,050/mo
Today · 4.125%
HK$102,569
baseline
▲ 0.50% · 4.625%
HK$108,810
+HK$6,241/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$205,138/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,374
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,253
−HK$2,922/mo
Today · 4.125%
HK$113,175
baseline
▲ 0.50% · 4.625%
HK$119,140
+HK$5,965/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$226,350/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,602
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,105
−HK$3,559/mo
Today · 4.125%
HK$119,664
baseline
▲ 0.50% · 4.625%
HK$126,945
+HK$7,281/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$239,328/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,269
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,629
−HK$3,408/mo
Today · 4.125%
HK$132,037
baseline
▲ 0.50% · 4.625%
HK$138,997
+HK$6,960/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$264,074/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,775
−HK$9,078/mo
▼ 0.25% · 3.875%
HK$149,278
−HK$4,575/mo
Today · 4.125%
HK$153,853
baseline
▲ 0.50% · 4.625%
HK$163,215
+HK$9,362/mo
Deposit HK$3.53M · loan HK$31.75M · min. income ≈ HK$307,706/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,060
−HK$8,702/mo
▼ 0.25% · 3.875%
HK$165,380
−HK$4,382/mo
Today · 4.125%
HK$169,762
baseline
▲ 0.50% · 4.625%
HK$178,710
+HK$8,948/mo
Deposit HK$3.53M · loan HK$31.75M · min. income ≈ HK$339,524/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,081 · Scale 2, in force from 26 Feb 2026)