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$79,931
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,417
−HK$2,526/mo
Today · 4.125%
HK$84,943
baseline
▲ 0.50% · 4.625%
HK$90,112
+HK$5,169/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$169,886/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,489,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,922
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,307
−HK$2,420/mo
Today · 4.125%
HK$93,727
baseline
▲ 0.50% · 4.625%
HK$98,667
+HK$4,940/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$187,454/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,489,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,917
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,901
−HK$3,031/mo
Today · 4.125%
HK$101,932
baseline
▲ 0.50% · 4.625%
HK$108,134
+HK$6,202/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$203,864/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,707
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,569
−HK$2,903/mo
Today · 4.125%
HK$112,472
baseline
▲ 0.50% · 4.625%
HK$118,400
+HK$5,928/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$224,944/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,903
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,384
−HK$3,537/mo
Today · 4.125%
HK$118,921
baseline
▲ 0.50% · 4.625%
HK$126,157
+HK$7,236/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$237,842/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,489,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,491
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,830
−HK$3,387/mo
Today · 4.125%
HK$131,217
baseline
▲ 0.50% · 4.625%
HK$138,134
+HK$6,917/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$262,434/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,489,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,876
−HK$9,022/mo
▼ 0.25% · 3.875%
HK$148,351
−HK$4,547/mo
Today · 4.125%
HK$152,898
baseline
▲ 0.50% · 4.625%
HK$162,201
+HK$9,303/mo
Deposit HK$3.51M · loan HK$31.55M · min. income ≈ HK$305,796/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,489,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,060
−HK$8,648/mo
▼ 0.25% · 3.875%
HK$164,353
−HK$4,355/mo
Today · 4.125%
HK$168,708
baseline
▲ 0.50% · 4.625%
HK$177,601
+HK$8,893/mo
Deposit HK$3.51M · loan HK$31.55M · min. income ≈ HK$337,416/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,489,773 · Scale 2, in force from 26 Feb 2026)