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$80,039
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,529
−HK$2,530/mo
Today · 4.125%
HK$85,059
baseline
▲ 0.50% · 4.625%
HK$90,234
+HK$5,175/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$170,118/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,043
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,431
−HK$2,423/mo
Today · 4.125%
HK$93,854
baseline
▲ 0.50% · 4.625%
HK$98,801
+HK$4,947/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$187,708/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,047
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,035
−HK$3,035/mo
Today · 4.125%
HK$102,070
baseline
▲ 0.50% · 4.625%
HK$108,281
+HK$6,211/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$204,140/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,852
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,717
−HK$2,908/mo
Today · 4.125%
HK$112,625
baseline
▲ 0.50% · 4.625%
HK$118,561
+HK$5,936/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$225,250/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,055
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,541
−HK$3,541/mo
Today · 4.125%
HK$119,082
baseline
▲ 0.50% · 4.625%
HK$126,328
+HK$7,246/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$238,164/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,660
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$128,004
−HK$3,391/mo
Today · 4.125%
HK$131,395
baseline
▲ 0.50% · 4.625%
HK$138,321
+HK$6,926/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$262,790/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,071
−HK$9,035/mo
▼ 0.25% · 3.875%
HK$148,552
−HK$4,554/mo
Today · 4.125%
HK$153,106
baseline
▲ 0.50% · 4.625%
HK$162,422
+HK$9,316/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$306,212/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,278
−HK$8,659/mo
▼ 0.25% · 3.875%
HK$164,576
−HK$4,361/mo
Today · 4.125%
HK$168,937
baseline
▲ 0.50% · 4.625%
HK$177,842
+HK$8,905/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$337,874/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,796 · Scale 2, in force from 26 Feb 2026)