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$80,412
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,913
−HK$2,542/mo
Today · 4.125%
HK$85,455
baseline
▲ 0.50% · 4.625%
HK$90,654
+HK$5,199/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$170,910/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,458
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,857
−HK$2,434/mo
Today · 4.125%
HK$94,291
baseline
▲ 0.50% · 4.625%
HK$99,261
+HK$4,970/mo
Deposit HK$17.63M · loan HK$17.63M · min. income ≈ HK$188,582/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,498,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,495
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$99,496
−HK$3,050/mo
Today · 4.125%
HK$102,546
baseline
▲ 0.50% · 4.625%
HK$108,785
+HK$6,239/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$205,092/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,349
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,228
−HK$2,921/mo
Today · 4.125%
HK$113,149
baseline
▲ 0.50% · 4.625%
HK$119,113
+HK$5,964/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$226,298/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,577
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$116,079
−HK$3,558/mo
Today · 4.125%
HK$119,637
baseline
▲ 0.50% · 4.625%
HK$126,916
+HK$7,279/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$239,274/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,241
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,600
−HK$3,407/mo
Today · 4.125%
HK$132,007
baseline
▲ 0.50% · 4.625%
HK$138,965
+HK$6,958/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$264,014/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,498,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,742
−HK$9,076/mo
▼ 0.25% · 3.875%
HK$149,244
−HK$4,574/mo
Today · 4.125%
HK$153,818
baseline
▲ 0.50% · 4.625%
HK$163,178
+HK$9,360/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$307,636/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,498,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,024
−HK$8,700/mo
▼ 0.25% · 3.875%
HK$165,342
−HK$4,382/mo
Today · 4.125%
HK$169,724
baseline
▲ 0.50% · 4.625%
HK$178,670
+HK$8,946/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$339,448/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,498,743 · Scale 2, in force from 26 Feb 2026)