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$79,980
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,468
−HK$2,528/mo
Today · 4.125%
HK$84,996
baseline
▲ 0.50% · 4.625%
HK$90,167
+HK$5,171/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$169,992/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,977
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,363
−HK$2,421/mo
Today · 4.125%
HK$93,784
baseline
▲ 0.50% · 4.625%
HK$98,728
+HK$4,944/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$187,568/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,976
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,962
−HK$3,033/mo
Today · 4.125%
HK$101,995
baseline
▲ 0.50% · 4.625%
HK$108,201
+HK$6,206/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$203,990/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,773
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,636
−HK$2,905/mo
Today · 4.125%
HK$112,541
baseline
▲ 0.50% · 4.625%
HK$118,473
+HK$5,932/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$225,082/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,972
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$115,455
−HK$3,539/mo
Today · 4.125%
HK$118,994
baseline
▲ 0.50% · 4.625%
HK$126,234
+HK$7,240/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$237,988/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,568
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$127,909
−HK$3,389/mo
Today · 4.125%
HK$131,298
baseline
▲ 0.50% · 4.625%
HK$138,219
+HK$6,921/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$262,596/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,964
−HK$9,028/mo
▼ 0.25% · 3.875%
HK$148,442
−HK$4,550/mo
Today · 4.125%
HK$152,992
baseline
▲ 0.50% · 4.625%
HK$162,301
+HK$9,309/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$305,984/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,159
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$164,454
−HK$4,358/mo
Today · 4.125%
HK$168,812
baseline
▲ 0.50% · 4.625%
HK$177,710
+HK$8,898/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$337,624/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,691 · Scale 2, in force from 26 Feb 2026)