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$80,149
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,642
−HK$2,533/mo
Today · 4.125%
HK$85,175
baseline
▲ 0.50% · 4.625%
HK$90,357
+HK$5,182/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$170,350/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,493,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,165
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,556
−HK$2,426/mo
Today · 4.125%
HK$93,982
baseline
▲ 0.50% · 4.625%
HK$98,936
+HK$4,954/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$187,964/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,493,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,178
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,170
−HK$3,040/mo
Today · 4.125%
HK$102,210
baseline
▲ 0.50% · 4.625%
HK$108,429
+HK$6,219/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$204,420/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,998
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,867
−HK$2,911/mo
Today · 4.125%
HK$112,778
baseline
▲ 0.50% · 4.625%
HK$118,723
+HK$5,945/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$225,556/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,208
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,699
−HK$3,546/mo
Today · 4.125%
HK$119,245
baseline
▲ 0.50% · 4.625%
HK$126,500
+HK$7,255/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$238,490/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,830
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$128,178
−HK$3,397/mo
Today · 4.125%
HK$131,575
baseline
▲ 0.50% · 4.625%
HK$138,510
+HK$6,935/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$263,150/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,268
−HK$9,047/mo
▼ 0.25% · 3.875%
HK$148,755
−HK$4,560/mo
Today · 4.125%
HK$153,315
baseline
▲ 0.50% · 4.625%
HK$162,643
+HK$9,328/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$306,630/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,496
−HK$8,671/mo
▼ 0.25% · 3.875%
HK$164,801
−HK$4,366/mo
Today · 4.125%
HK$169,167
baseline
▲ 0.50% · 4.625%
HK$178,085
+HK$8,918/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$338,334/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,832 · Scale 2, in force from 26 Feb 2026)