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$80,443
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,945
−HK$2,542/mo
Today · 4.125%
HK$85,487
baseline
▲ 0.50% · 4.625%
HK$90,689
+HK$5,202/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$170,974/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,492
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,892
−HK$2,435/mo
Today · 4.125%
HK$94,327
baseline
▲ 0.50% · 4.625%
HK$99,299
+HK$4,972/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$188,654/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,531
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,534
−HK$3,051/mo
Today · 4.125%
HK$102,585
baseline
▲ 0.50% · 4.625%
HK$108,827
+HK$6,242/mo
Deposit HK$14.11M · loan HK$21.17M · min. income ≈ HK$205,170/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,390
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,270
−HK$2,922/mo
Today · 4.125%
HK$113,192
baseline
▲ 0.50% · 4.625%
HK$119,158
+HK$5,966/mo
Deposit HK$14.11M · loan HK$21.17M · min. income ≈ HK$226,384/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,620
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,123
−HK$3,559/mo
Today · 4.125%
HK$119,682
baseline
▲ 0.50% · 4.625%
HK$126,964
+HK$7,282/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$239,364/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,288
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,648
−HK$3,409/mo
Today · 4.125%
HK$132,057
baseline
▲ 0.50% · 4.625%
HK$139,018
+HK$6,961/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$264,114/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,797
−HK$9,080/mo
▼ 0.25% · 3.875%
HK$149,301
−HK$4,576/mo
Today · 4.125%
HK$153,877
baseline
▲ 0.50% · 4.625%
HK$163,240
+HK$9,363/mo
Deposit HK$3.53M · loan HK$31.75M · min. income ≈ HK$307,754/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,085
−HK$8,703/mo
▼ 0.25% · 3.875%
HK$165,405
−HK$4,383/mo
Today · 4.125%
HK$169,788
baseline
▲ 0.50% · 4.625%
HK$178,738
+HK$8,950/mo
Deposit HK$3.53M · loan HK$31.75M · min. income ≈ HK$339,576/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,311 · Scale 2, in force from 26 Feb 2026)