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$79,927
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,413
−HK$2,526/mo
Today · 4.125%
HK$84,939
baseline
▲ 0.50% · 4.625%
HK$90,108
+HK$5,169/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$169,878/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,489,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,918
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,303
−HK$2,419/mo
Today · 4.125%
HK$93,722
baseline
▲ 0.50% · 4.625%
HK$98,662
+HK$4,940/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$187,444/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,489,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,913
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$98,896
−HK$3,031/mo
Today · 4.125%
HK$101,927
baseline
▲ 0.50% · 4.625%
HK$108,129
+HK$6,202/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$203,854/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,702
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,563
−HK$2,904/mo
Today · 4.125%
HK$112,467
baseline
▲ 0.50% · 4.625%
HK$118,395
+HK$5,928/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$224,934/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,898
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$115,379
−HK$3,536/mo
Today · 4.125%
HK$118,915
baseline
▲ 0.50% · 4.625%
HK$126,151
+HK$7,236/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$237,830/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,489,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,485
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,824
−HK$3,387/mo
Today · 4.125%
HK$131,211
baseline
▲ 0.50% · 4.625%
HK$138,127
+HK$6,916/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$262,422/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,489,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,869
−HK$9,022/mo
▼ 0.25% · 3.875%
HK$148,344
−HK$4,547/mo
Today · 4.125%
HK$152,891
baseline
▲ 0.50% · 4.625%
HK$162,194
+HK$9,303/mo
Deposit HK$3.51M · loan HK$31.55M · min. income ≈ HK$305,782/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,053
−HK$8,647/mo
▼ 0.25% · 3.875%
HK$164,345
−HK$4,355/mo
Today · 4.125%
HK$168,700
baseline
▲ 0.50% · 4.625%
HK$177,592
+HK$8,892/mo
Deposit HK$3.51M · loan HK$31.55M · min. income ≈ HK$337,400/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,703 · Scale 2, in force from 26 Feb 2026)