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$80,067
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,557
−HK$2,530/mo
Today · 4.125%
HK$85,087
baseline
▲ 0.50% · 4.625%
HK$90,265
+HK$5,178/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$170,174/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,073
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,462
−HK$2,424/mo
Today · 4.125%
HK$93,886
baseline
▲ 0.50% · 4.625%
HK$98,834
+HK$4,948/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$187,772/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,080
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,068
−HK$3,037/mo
Today · 4.125%
HK$102,105
baseline
▲ 0.50% · 4.625%
HK$108,318
+HK$6,213/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$204,210/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,888
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,755
−HK$2,908/mo
Today · 4.125%
HK$112,663
baseline
▲ 0.50% · 4.625%
HK$118,601
+HK$5,938/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$225,326/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,093
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$115,580
−HK$3,542/mo
Today · 4.125%
HK$119,122
baseline
▲ 0.50% · 4.625%
HK$126,371
+HK$7,249/mo
Deposit HK$10.53M · loan HK$24.58M · min. income ≈ HK$238,244/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,702
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$128,047
−HK$3,393/mo
Today · 4.125%
HK$131,440
baseline
▲ 0.50% · 4.625%
HK$138,368
+HK$6,928/mo
Deposit HK$10.53M · loan HK$24.58M · min. income ≈ HK$262,880/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,120
−HK$9,037/mo
▼ 0.25% · 3.875%
HK$148,603
−HK$4,554/mo
Today · 4.125%
HK$153,157
baseline
▲ 0.50% · 4.625%
HK$162,477
+HK$9,320/mo
Deposit HK$3.51M · loan HK$31.60M · min. income ≈ HK$306,314/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,492,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,332
−HK$8,662/mo
▼ 0.25% · 3.875%
HK$164,632
−HK$4,362/mo
Today · 4.125%
HK$168,994
baseline
▲ 0.50% · 4.625%
HK$177,902
+HK$8,908/mo
Deposit HK$3.51M · loan HK$31.60M · min. income ≈ HK$337,988/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,492,301 · Scale 2, in force from 26 Feb 2026)