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$80,220
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,715
−HK$2,535/mo
Today · 4.125%
HK$85,250
baseline
▲ 0.50% · 4.625%
HK$90,438
+HK$5,188/mo
Deposit HK$17.59M · loan HK$17.59M · min. income ≈ HK$170,500/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$1,495,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,244
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,637
−HK$2,428/mo
Today · 4.125%
HK$94,065
baseline
▲ 0.50% · 4.625%
HK$99,024
+HK$4,959/mo
Deposit HK$17.59M · loan HK$17.59M · min. income ≈ HK$188,130/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$1,495,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,264
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$99,258
−HK$3,042/mo
Today · 4.125%
HK$102,300
baseline
▲ 0.50% · 4.625%
HK$108,525
+HK$6,225/mo
Deposit HK$14.07M · loan HK$21.11M · min. income ≈ HK$204,600/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,495,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,092
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,965
−HK$2,913/mo
Today · 4.125%
HK$112,878
baseline
▲ 0.50% · 4.625%
HK$118,828
+HK$5,950/mo
Deposit HK$14.07M · loan HK$21.11M · min. income ≈ HK$225,756/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,495,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,308
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,801
−HK$3,549/mo
Today · 4.125%
HK$119,350
baseline
▲ 0.50% · 4.625%
HK$126,613
+HK$7,263/mo
Deposit HK$10.55M · loan HK$24.63M · min. income ≈ HK$238,700/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,495,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,941
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$128,292
−HK$3,399/mo
Today · 4.125%
HK$131,691
baseline
▲ 0.50% · 4.625%
HK$138,633
+HK$6,942/mo
Deposit HK$10.55M · loan HK$24.63M · min. income ≈ HK$263,382/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,495,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,396
−HK$9,054/mo
▼ 0.25% · 3.875%
HK$148,887
−HK$4,563/mo
Today · 4.125%
HK$153,450
baseline
▲ 0.50% · 4.625%
HK$162,788
+HK$9,338/mo
Deposit HK$3.52M · loan HK$31.66M · min. income ≈ HK$306,900/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,495,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,639
−HK$8,678/mo
▼ 0.25% · 3.875%
HK$164,947
−HK$4,370/mo
Today · 4.125%
HK$169,317
baseline
▲ 0.50% · 4.625%
HK$178,242
+HK$8,925/mo
Deposit HK$3.52M · loan HK$31.66M · min. income ≈ HK$338,634/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,495,157 · Scale 2, in force from 26 Feb 2026)