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$80,078
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,569
−HK$2,531/mo
Today · 4.125%
HK$85,100
baseline
▲ 0.50% · 4.625%
HK$90,278
+HK$5,178/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$170,200/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,086
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,475
−HK$2,424/mo
Today · 4.125%
HK$93,899
baseline
▲ 0.50% · 4.625%
HK$98,849
+HK$4,950/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$187,798/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,094
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$99,083
−HK$3,037/mo
Today · 4.125%
HK$102,120
baseline
▲ 0.50% · 4.625%
HK$108,333
+HK$6,213/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$204,240/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,903
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$109,770
−HK$2,909/mo
Today · 4.125%
HK$112,679
baseline
▲ 0.50% · 4.625%
HK$118,618
+HK$5,939/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$225,358/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,109
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$115,597
−HK$3,543/mo
Today · 4.125%
HK$119,140
baseline
▲ 0.50% · 4.625%
HK$126,389
+HK$7,249/mo
Deposit HK$10.54M · loan HK$24.58M · min. income ≈ HK$238,280/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,720
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$128,065
−HK$3,394/mo
Today · 4.125%
HK$131,459
baseline
▲ 0.50% · 4.625%
HK$138,388
+HK$6,929/mo
Deposit HK$10.54M · loan HK$24.58M · min. income ≈ HK$262,918/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,141
−HK$9,038/mo
▼ 0.25% · 3.875%
HK$148,624
−HK$4,555/mo
Today · 4.125%
HK$153,179
baseline
▲ 0.50% · 4.625%
HK$162,500
+HK$9,321/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$306,358/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,492,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,355
−HK$8,663/mo
▼ 0.25% · 3.875%
HK$164,656
−HK$4,362/mo
Today · 4.125%
HK$169,018
baseline
▲ 0.50% · 4.625%
HK$177,928
+HK$8,910/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$338,036/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,492,516 · Scale 2, in force from 26 Feb 2026)