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$80,127
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,619
−HK$2,533/mo
Today · 4.125%
HK$85,152
baseline
▲ 0.50% · 4.625%
HK$90,333
+HK$5,181/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$170,304/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,140
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,531
−HK$2,425/mo
Today · 4.125%
HK$93,956
baseline
▲ 0.50% · 4.625%
HK$98,909
+HK$4,953/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$187,912/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,152
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,143
−HK$3,039/mo
Today · 4.125%
HK$102,182
baseline
▲ 0.50% · 4.625%
HK$108,399
+HK$6,217/mo
Deposit HK$14.06M · loan HK$21.08M · min. income ≈ HK$204,364/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,968
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,837
−HK$2,911/mo
Today · 4.125%
HK$112,748
baseline
▲ 0.50% · 4.625%
HK$118,691
+HK$5,943/mo
Deposit HK$14.06M · loan HK$21.08M · min. income ≈ HK$225,496/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,178
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$115,667
−HK$3,545/mo
Today · 4.125%
HK$119,212
baseline
▲ 0.50% · 4.625%
HK$126,466
+HK$7,254/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$238,424/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,796
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$128,143
−HK$3,396/mo
Today · 4.125%
HK$131,539
baseline
▲ 0.50% · 4.625%
HK$138,472
+HK$6,933/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$263,078/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,228
−HK$9,045/mo
▼ 0.25% · 3.875%
HK$148,715
−HK$4,558/mo
Today · 4.125%
HK$153,273
baseline
▲ 0.50% · 4.625%
HK$162,599
+HK$9,326/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$306,546/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,453
−HK$8,668/mo
▼ 0.25% · 3.875%
HK$164,756
−HK$4,365/mo
Today · 4.125%
HK$169,121
baseline
▲ 0.50% · 4.625%
HK$178,036
+HK$8,915/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$338,242/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,425 · Scale 2, in force from 26 Feb 2026)