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$80,119
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,611
−HK$2,532/mo
Today · 4.125%
HK$85,143
baseline
▲ 0.50% · 4.625%
HK$90,324
+HK$5,181/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$170,286/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,131
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,522
−HK$2,425/mo
Today · 4.125%
HK$93,947
baseline
▲ 0.50% · 4.625%
HK$98,899
+HK$4,952/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$187,894/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,143
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,133
−HK$3,039/mo
Today · 4.125%
HK$102,172
baseline
▲ 0.50% · 4.625%
HK$108,388
+HK$6,216/mo
Deposit HK$14.05M · loan HK$21.08M · min. income ≈ HK$204,344/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,958
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,826
−HK$2,910/mo
Today · 4.125%
HK$112,736
baseline
▲ 0.50% · 4.625%
HK$118,679
+HK$5,943/mo
Deposit HK$14.05M · loan HK$21.08M · min. income ≈ HK$225,472/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,166
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$115,655
−HK$3,545/mo
Today · 4.125%
HK$119,200
baseline
▲ 0.50% · 4.625%
HK$126,453
+HK$7,253/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$238,400/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,493,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,784
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$128,131
−HK$3,395/mo
Today · 4.125%
HK$131,526
baseline
▲ 0.50% · 4.625%
HK$138,459
+HK$6,933/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$263,052/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,493,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,214
−HK$9,043/mo
▼ 0.25% · 3.875%
HK$148,700
−HK$4,557/mo
Today · 4.125%
HK$153,257
baseline
▲ 0.50% · 4.625%
HK$162,583
+HK$9,326/mo
Deposit HK$3.51M · loan HK$31.62M · min. income ≈ HK$306,514/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,437
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$164,739
−HK$4,365/mo
Today · 4.125%
HK$169,104
baseline
▲ 0.50% · 4.625%
HK$178,018
+HK$8,914/mo
Deposit HK$3.51M · loan HK$31.62M · min. income ≈ HK$338,208/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,276 · Scale 2, in force from 26 Feb 2026)