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$80,113
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,605
−HK$2,531/mo
Today · 4.125%
HK$85,136
baseline
▲ 0.50% · 4.625%
HK$90,317
+HK$5,181/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$170,272/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,124
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,515
−HK$2,425/mo
Today · 4.125%
HK$93,940
baseline
▲ 0.50% · 4.625%
HK$98,891
+HK$4,951/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$187,880/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,135
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,125
−HK$3,039/mo
Today · 4.125%
HK$102,164
baseline
▲ 0.50% · 4.625%
HK$108,380
+HK$6,216/mo
Deposit HK$14.05M · loan HK$21.08M · min. income ≈ HK$204,328/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,949
−HK$5,778/mo
▼ 0.25% · 3.875%
HK$109,818
−HK$2,909/mo
Today · 4.125%
HK$112,727
baseline
▲ 0.50% · 4.625%
HK$118,669
+HK$5,942/mo
Deposit HK$14.05M · loan HK$21.08M · min. income ≈ HK$225,454/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,158
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$115,646
−HK$3,545/mo
Today · 4.125%
HK$119,191
baseline
▲ 0.50% · 4.625%
HK$126,443
+HK$7,252/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$238,382/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,493,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,774
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$128,121
−HK$3,394/mo
Today · 4.125%
HK$131,515
baseline
▲ 0.50% · 4.625%
HK$138,448
+HK$6,933/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$263,030/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,493,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,203
−HK$9,042/mo
▼ 0.25% · 3.875%
HK$148,688
−HK$4,557/mo
Today · 4.125%
HK$153,245
baseline
▲ 0.50% · 4.625%
HK$162,570
+HK$9,325/mo
Deposit HK$3.51M · loan HK$31.62M · min. income ≈ HK$306,490/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,424
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$164,726
−HK$4,365/mo
Today · 4.125%
HK$169,091
baseline
▲ 0.50% · 4.625%
HK$178,004
+HK$8,913/mo
Deposit HK$3.51M · loan HK$31.62M · min. income ≈ HK$338,182/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,158 · Scale 2, in force from 26 Feb 2026)