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$80,136
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,628
−HK$2,533/mo
Today · 4.125%
HK$85,161
baseline
▲ 0.50% · 4.625%
HK$90,343
+HK$5,182/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$170,322/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,493,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,150
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,541
−HK$2,426/mo
Today · 4.125%
HK$93,967
baseline
▲ 0.50% · 4.625%
HK$98,920
+HK$4,953/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$187,934/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,493,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,163
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,154
−HK$3,039/mo
Today · 4.125%
HK$102,193
baseline
▲ 0.50% · 4.625%
HK$108,411
+HK$6,218/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$204,386/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,980
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,849
−HK$2,911/mo
Today · 4.125%
HK$112,760
baseline
▲ 0.50% · 4.625%
HK$118,704
+HK$5,944/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$225,520/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,190
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$115,680
−HK$3,545/mo
Today · 4.125%
HK$119,225
baseline
▲ 0.50% · 4.625%
HK$126,480
+HK$7,255/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$238,450/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,810
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$128,158
−HK$3,395/mo
Today · 4.125%
HK$131,553
baseline
▲ 0.50% · 4.625%
HK$138,488
+HK$6,935/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$263,106/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,244
−HK$9,046/mo
▼ 0.25% · 3.875%
HK$148,731
−HK$4,559/mo
Today · 4.125%
HK$153,290
baseline
▲ 0.50% · 4.625%
HK$162,617
+HK$9,327/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$306,580/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,470
−HK$8,670/mo
▼ 0.25% · 3.875%
HK$164,774
−HK$4,366/mo
Today · 4.125%
HK$169,140
baseline
▲ 0.50% · 4.625%
HK$178,056
+HK$8,916/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$338,280/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,590 · Scale 2, in force from 26 Feb 2026)