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$80,346
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,845
−HK$2,539/mo
Today · 4.125%
HK$85,384
baseline
▲ 0.50% · 4.625%
HK$90,580
+HK$5,196/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$170,768/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,497,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,384
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,781
−HK$2,432/mo
Today · 4.125%
HK$94,213
baseline
▲ 0.50% · 4.625%
HK$99,179
+HK$4,966/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$188,426/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,497,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,415
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,414
−HK$3,047/mo
Today · 4.125%
HK$102,461
baseline
▲ 0.50% · 4.625%
HK$108,696
+HK$6,235/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$204,922/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,261
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,138
−HK$2,918/mo
Today · 4.125%
HK$113,056
baseline
▲ 0.50% · 4.625%
HK$119,015
+HK$5,959/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$226,112/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,484
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$115,983
−HK$3,555/mo
Today · 4.125%
HK$119,538
baseline
▲ 0.50% · 4.625%
HK$126,812
+HK$7,274/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$239,076/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,138
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,494
−HK$3,404/mo
Today · 4.125%
HK$131,898
baseline
▲ 0.50% · 4.625%
HK$138,851
+HK$6,953/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$263,796/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,623
−HK$9,069/mo
▼ 0.25% · 3.875%
HK$149,121
−HK$4,571/mo
Today · 4.125%
HK$153,692
baseline
▲ 0.50% · 4.625%
HK$163,044
+HK$9,352/mo
Deposit HK$3.52M · loan HK$31.71M · min. income ≈ HK$307,384/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,891
−HK$8,693/mo
▼ 0.25% · 3.875%
HK$165,206
−HK$4,378/mo
Today · 4.125%
HK$169,584
baseline
▲ 0.50% · 4.625%
HK$178,523
+HK$8,939/mo
Deposit HK$3.52M · loan HK$31.71M · min. income ≈ HK$339,168/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,508 · Scale 2, in force from 26 Feb 2026)