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$80,264
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,760
−HK$2,537/mo
Today · 4.125%
HK$85,297
baseline
▲ 0.50% · 4.625%
HK$90,487
+HK$5,190/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$170,594/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,495,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,292
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,687
−HK$2,430/mo
Today · 4.125%
HK$94,117
baseline
▲ 0.50% · 4.625%
HK$99,078
+HK$4,961/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$188,234/mo (50% DSR)
Upfront cash ≈ HK$19.10M (deposit + AVD stamp duty HK$1,495,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,316
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,312
−HK$3,044/mo
Today · 4.125%
HK$102,356
baseline
▲ 0.50% · 4.625%
HK$108,584
+HK$6,228/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$204,712/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,495,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,151
−HK$5,789/mo
▼ 0.25% · 3.875%
HK$110,025
−HK$2,915/mo
Today · 4.125%
HK$112,940
baseline
▲ 0.50% · 4.625%
HK$118,893
+HK$5,953/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$225,880/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,495,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,369
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$115,864
−HK$3,552/mo
Today · 4.125%
HK$119,416
baseline
▲ 0.50% · 4.625%
HK$126,682
+HK$7,266/mo
Deposit HK$10.56M · loan HK$24.64M · min. income ≈ HK$238,832/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,495,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,009
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$128,362
−HK$3,401/mo
Today · 4.125%
HK$131,763
baseline
▲ 0.50% · 4.625%
HK$138,709
+HK$6,946/mo
Deposit HK$10.56M · loan HK$24.64M · min. income ≈ HK$263,526/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,495,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,474
−HK$9,060/mo
▼ 0.25% · 3.875%
HK$148,968
−HK$4,566/mo
Today · 4.125%
HK$153,534
baseline
▲ 0.50% · 4.625%
HK$162,876
+HK$9,342/mo
Deposit HK$3.52M · loan HK$31.68M · min. income ≈ HK$307,068/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,495,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,726
−HK$8,684/mo
▼ 0.25% · 3.875%
HK$165,037
−HK$4,373/mo
Today · 4.125%
HK$169,410
baseline
▲ 0.50% · 4.625%
HK$178,340
+HK$8,930/mo
Deposit HK$3.52M · loan HK$31.68M · min. income ≈ HK$338,820/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,495,974 · Scale 2, in force from 26 Feb 2026)