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$80,028
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,517
−HK$2,529/mo
Today · 4.125%
HK$85,046
baseline
▲ 0.50% · 4.625%
HK$90,221
+HK$5,175/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$170,092/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,030
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,418
−HK$2,422/mo
Today · 4.125%
HK$93,840
baseline
▲ 0.50% · 4.625%
HK$98,787
+HK$4,947/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$187,680/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,033
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,021
−HK$3,034/mo
Today · 4.125%
HK$102,055
baseline
▲ 0.50% · 4.625%
HK$108,265
+HK$6,210/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$204,110/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,836
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,701
−HK$2,907/mo
Today · 4.125%
HK$112,608
baseline
▲ 0.50% · 4.625%
HK$118,544
+HK$5,936/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$225,216/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,039
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$115,524
−HK$3,541/mo
Today · 4.125%
HK$119,065
baseline
▲ 0.50% · 4.625%
HK$126,310
+HK$7,245/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$238,130/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,642
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$127,985
−HK$3,391/mo
Today · 4.125%
HK$131,376
baseline
▲ 0.50% · 4.625%
HK$138,301
+HK$6,925/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$262,752/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,050
−HK$9,033/mo
▼ 0.25% · 3.875%
HK$148,531
−HK$4,552/mo
Today · 4.125%
HK$153,083
baseline
▲ 0.50% · 4.625%
HK$162,398
+HK$9,315/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$306,166/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,254
−HK$8,658/mo
▼ 0.25% · 3.875%
HK$164,552
−HK$4,360/mo
Today · 4.125%
HK$168,912
baseline
▲ 0.50% · 4.625%
HK$177,816
+HK$8,904/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$337,824/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,579 · Scale 2, in force from 26 Feb 2026)