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$80,034
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,524
−HK$2,529/mo
Today · 4.125%
HK$85,053
baseline
▲ 0.50% · 4.625%
HK$90,229
+HK$5,176/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$170,106/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,038
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,425
−HK$2,423/mo
Today · 4.125%
HK$93,848
baseline
▲ 0.50% · 4.625%
HK$98,795
+HK$4,947/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$187,696/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,041
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,029
−HK$3,035/mo
Today · 4.125%
HK$102,064
baseline
▲ 0.50% · 4.625%
HK$108,274
+HK$6,210/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$204,128/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,845
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,711
−HK$2,907/mo
Today · 4.125%
HK$112,618
baseline
▲ 0.50% · 4.625%
HK$118,554
+HK$5,936/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$225,236/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,048
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,534
−HK$3,541/mo
Today · 4.125%
HK$119,075
baseline
▲ 0.50% · 4.625%
HK$126,320
+HK$7,245/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$238,150/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,653
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$127,996
−HK$3,391/mo
Today · 4.125%
HK$131,387
baseline
▲ 0.50% · 4.625%
HK$138,313
+HK$6,926/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$262,774/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,062
−HK$9,034/mo
▼ 0.25% · 3.875%
HK$148,543
−HK$4,553/mo
Today · 4.125%
HK$153,096
baseline
▲ 0.50% · 4.625%
HK$162,412
+HK$9,316/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$306,192/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,268
−HK$8,658/mo
▼ 0.25% · 3.875%
HK$164,566
−HK$4,360/mo
Today · 4.125%
HK$168,926
baseline
▲ 0.50% · 4.625%
HK$177,831
+HK$8,905/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$337,852/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,703 · Scale 2, in force from 26 Feb 2026)