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$79,983
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,471
−HK$2,528/mo
Today · 4.125%
HK$84,999
baseline
▲ 0.50% · 4.625%
HK$90,171
+HK$5,172/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$169,998/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,981
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,367
−HK$2,421/mo
Today · 4.125%
HK$93,788
baseline
▲ 0.50% · 4.625%
HK$98,732
+HK$4,944/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$187,576/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,980
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,966
−HK$3,033/mo
Today · 4.125%
HK$101,999
baseline
▲ 0.50% · 4.625%
HK$108,205
+HK$6,206/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$203,998/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,777
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,641
−HK$2,905/mo
Today · 4.125%
HK$112,546
baseline
▲ 0.50% · 4.625%
HK$118,478
+HK$5,932/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$225,092/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,977
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$115,460
−HK$3,539/mo
Today · 4.125%
HK$118,999
baseline
▲ 0.50% · 4.625%
HK$126,239
+HK$7,240/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$237,998/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,573
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$127,914
−HK$3,389/mo
Today · 4.125%
HK$131,303
baseline
▲ 0.50% · 4.625%
HK$138,224
+HK$6,921/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$262,606/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,970
−HK$9,028/mo
▼ 0.25% · 3.875%
HK$148,448
−HK$4,550/mo
Today · 4.125%
HK$152,998
baseline
▲ 0.50% · 4.625%
HK$162,308
+HK$9,310/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$305,996/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,165
−HK$8,654/mo
▼ 0.25% · 3.875%
HK$164,461
−HK$4,358/mo
Today · 4.125%
HK$168,819
baseline
▲ 0.50% · 4.625%
HK$177,717
+HK$8,898/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$337,638/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,751 · Scale 2, in force from 26 Feb 2026)