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$80,113
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,605
−HK$2,532/mo
Today · 4.125%
HK$85,137
baseline
▲ 0.50% · 4.625%
HK$90,318
+HK$5,181/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$170,274/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,125
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,516
−HK$2,425/mo
Today · 4.125%
HK$93,941
baseline
▲ 0.50% · 4.625%
HK$98,892
+HK$4,951/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$187,882/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,136
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,126
−HK$3,039/mo
Today · 4.125%
HK$102,165
baseline
▲ 0.50% · 4.625%
HK$108,381
+HK$6,216/mo
Deposit HK$14.05M · loan HK$21.08M · min. income ≈ HK$204,330/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,950
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$109,819
−HK$2,910/mo
Today · 4.125%
HK$112,729
baseline
▲ 0.50% · 4.625%
HK$118,671
+HK$5,942/mo
Deposit HK$14.05M · loan HK$21.08M · min. income ≈ HK$225,458/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,159
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$115,648
−HK$3,544/mo
Today · 4.125%
HK$119,192
baseline
▲ 0.50% · 4.625%
HK$126,445
+HK$7,253/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$238,384/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,493,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,775
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$128,122
−HK$3,395/mo
Today · 4.125%
HK$131,517
baseline
▲ 0.50% · 4.625%
HK$138,449
+HK$6,932/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$263,034/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,493,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,204
−HK$9,043/mo
▼ 0.25% · 3.875%
HK$148,690
−HK$4,557/mo
Today · 4.125%
HK$153,247
baseline
▲ 0.50% · 4.625%
HK$162,572
+HK$9,325/mo
Deposit HK$3.51M · loan HK$31.62M · min. income ≈ HK$306,494/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,426
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$164,728
−HK$4,365/mo
Today · 4.125%
HK$169,093
baseline
▲ 0.50% · 4.625%
HK$178,006
+HK$8,913/mo
Deposit HK$3.51M · loan HK$31.62M · min. income ≈ HK$338,186/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,174 · Scale 2, in force from 26 Feb 2026)