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$80,064
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,554
−HK$2,531/mo
Today · 4.125%
HK$85,085
baseline
▲ 0.50% · 4.625%
HK$90,262
+HK$5,177/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$170,170/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,070
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,459
−HK$2,424/mo
Today · 4.125%
HK$93,883
baseline
▲ 0.50% · 4.625%
HK$98,831
+HK$4,948/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$187,766/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,077
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,065
−HK$3,037/mo
Today · 4.125%
HK$102,102
baseline
▲ 0.50% · 4.625%
HK$108,314
+HK$6,212/mo
Deposit HK$14.04M · loan HK$21.07M · min. income ≈ HK$204,204/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,884
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,751
−HK$2,908/mo
Today · 4.125%
HK$112,659
baseline
▲ 0.50% · 4.625%
HK$118,597
+HK$5,938/mo
Deposit HK$14.04M · loan HK$21.07M · min. income ≈ HK$225,318/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,090
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$115,576
−HK$3,543/mo
Today · 4.125%
HK$119,119
baseline
▲ 0.50% · 4.625%
HK$126,367
+HK$7,248/mo
Deposit HK$10.53M · loan HK$24.58M · min. income ≈ HK$238,238/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,698
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$128,043
−HK$3,393/mo
Today · 4.125%
HK$131,436
baseline
▲ 0.50% · 4.625%
HK$138,364
+HK$6,928/mo
Deposit HK$10.53M · loan HK$24.58M · min. income ≈ HK$262,872/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,115
−HK$9,037/mo
▼ 0.25% · 3.875%
HK$148,598
−HK$4,554/mo
Today · 4.125%
HK$153,152
baseline
▲ 0.50% · 4.625%
HK$162,471
+HK$9,319/mo
Deposit HK$3.51M · loan HK$31.60M · min. income ≈ HK$306,304/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,492,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,327
−HK$8,662/mo
▼ 0.25% · 3.875%
HK$164,626
−HK$4,363/mo
Today · 4.125%
HK$168,989
baseline
▲ 0.50% · 4.625%
HK$177,896
+HK$8,907/mo
Deposit HK$3.51M · loan HK$31.60M · min. income ≈ HK$337,978/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,492,253 · Scale 2, in force from 26 Feb 2026)