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$79,948
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,435
−HK$2,527/mo
Today · 4.125%
HK$84,962
baseline
▲ 0.50% · 4.625%
HK$90,132
+HK$5,170/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$169,924/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,490,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,942
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,327
−HK$2,420/mo
Today · 4.125%
HK$93,747
baseline
▲ 0.50% · 4.625%
HK$98,689
+HK$4,942/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$187,494/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,490,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,938
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,922
−HK$3,032/mo
Today · 4.125%
HK$101,954
baseline
▲ 0.50% · 4.625%
HK$108,158
+HK$6,204/mo
Deposit HK$14.02M · loan HK$21.04M · min. income ≈ HK$203,908/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,490,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,730
−HK$5,766/mo
▼ 0.25% · 3.875%
HK$109,593
−HK$2,903/mo
Today · 4.125%
HK$112,496
baseline
▲ 0.50% · 4.625%
HK$118,426
+HK$5,930/mo
Deposit HK$14.02M · loan HK$21.04M · min. income ≈ HK$224,992/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,490,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,928
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$115,409
−HK$3,538/mo
Today · 4.125%
HK$118,947
baseline
▲ 0.50% · 4.625%
HK$126,184
+HK$7,237/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$237,894/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,518
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,858
−HK$3,388/mo
Today · 4.125%
HK$131,246
baseline
▲ 0.50% · 4.625%
HK$138,164
+HK$6,918/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$262,492/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,907
−HK$9,024/mo
▼ 0.25% · 3.875%
HK$148,383
−HK$4,548/mo
Today · 4.125%
HK$152,931
baseline
▲ 0.50% · 4.625%
HK$162,237
+HK$9,306/mo
Deposit HK$3.51M · loan HK$31.56M · min. income ≈ HK$305,862/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,095
−HK$8,650/mo
▼ 0.25% · 3.875%
HK$164,389
−HK$4,356/mo
Today · 4.125%
HK$168,745
baseline
▲ 0.50% · 4.625%
HK$177,639
+HK$8,894/mo
Deposit HK$3.51M · loan HK$31.56M · min. income ≈ HK$337,490/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,099 · Scale 2, in force from 26 Feb 2026)