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$80,414
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,915
−HK$2,542/mo
Today · 4.125%
HK$85,457
baseline
▲ 0.50% · 4.625%
HK$90,656
+HK$5,199/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$170,914/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,460
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,859
−HK$2,434/mo
Today · 4.125%
HK$94,293
baseline
▲ 0.50% · 4.625%
HK$99,263
+HK$4,970/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$188,586/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,497
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$99,498
−HK$3,050/mo
Today · 4.125%
HK$102,548
baseline
▲ 0.50% · 4.625%
HK$108,788
+HK$6,240/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$205,096/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,352
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,231
−HK$2,921/mo
Today · 4.125%
HK$113,152
baseline
▲ 0.50% · 4.625%
HK$119,116
+HK$5,964/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$226,304/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,580
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$116,081
−HK$3,558/mo
Today · 4.125%
HK$119,639
baseline
▲ 0.50% · 4.625%
HK$126,919
+HK$7,280/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$239,278/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,244
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,603
−HK$3,407/mo
Today · 4.125%
HK$132,010
baseline
▲ 0.50% · 4.625%
HK$138,969
+HK$6,959/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$264,020/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,745
−HK$9,077/mo
▼ 0.25% · 3.875%
HK$149,247
−HK$4,575/mo
Today · 4.125%
HK$153,822
baseline
▲ 0.50% · 4.625%
HK$163,182
+HK$9,360/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$307,644/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,498,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,027
−HK$8,700/mo
▼ 0.25% · 3.875%
HK$165,346
−HK$4,381/mo
Today · 4.125%
HK$169,727
baseline
▲ 0.50% · 4.625%
HK$178,674
+HK$8,947/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$339,454/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,498,776 · Scale 2, in force from 26 Feb 2026)