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$79,939
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,426
−HK$2,526/mo
Today · 4.125%
HK$84,952
baseline
▲ 0.50% · 4.625%
HK$90,121
+HK$5,169/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$169,904/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,931
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,317
−HK$2,419/mo
Today · 4.125%
HK$93,736
baseline
▲ 0.50% · 4.625%
HK$98,677
+HK$4,941/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$187,472/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,927
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,911
−HK$3,031/mo
Today · 4.125%
HK$101,942
baseline
▲ 0.50% · 4.625%
HK$108,145
+HK$6,203/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$203,884/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,718
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,580
−HK$2,903/mo
Today · 4.125%
HK$112,483
baseline
▲ 0.50% · 4.625%
HK$118,413
+HK$5,930/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$224,966/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,915
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,396
−HK$3,537/mo
Today · 4.125%
HK$118,933
baseline
▲ 0.50% · 4.625%
HK$126,170
+HK$7,237/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$237,866/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,504
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,843
−HK$3,388/mo
Today · 4.125%
HK$131,231
baseline
▲ 0.50% · 4.625%
HK$138,148
+HK$6,917/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$262,462/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,890
−HK$9,024/mo
▼ 0.25% · 3.875%
HK$148,366
−HK$4,548/mo
Today · 4.125%
HK$152,914
baseline
▲ 0.50% · 4.625%
HK$162,218
+HK$9,304/mo
Deposit HK$3.51M · loan HK$31.55M · min. income ≈ HK$305,828/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,077
−HK$8,648/mo
▼ 0.25% · 3.875%
HK$164,370
−HK$4,355/mo
Today · 4.125%
HK$168,725
baseline
▲ 0.50% · 4.625%
HK$177,619
+HK$8,894/mo
Deposit HK$3.51M · loan HK$31.55M · min. income ≈ HK$337,450/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,489,926 · Scale 2, in force from 26 Feb 2026)