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$80,251
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,747
−HK$2,536/mo
Today · 4.125%
HK$85,283
baseline
▲ 0.50% · 4.625%
HK$90,473
+HK$5,190/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$170,566/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$1,495,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,278
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,673
−HK$2,429/mo
Today · 4.125%
HK$94,102
baseline
▲ 0.50% · 4.625%
HK$99,062
+HK$4,960/mo
Deposit HK$17.60M · loan HK$17.60M · min. income ≈ HK$188,204/mo (50% DSR)
Upfront cash ≈ HK$19.09M (deposit + AVD stamp duty HK$1,495,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,301
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$99,297
−HK$3,043/mo
Today · 4.125%
HK$102,340
baseline
▲ 0.50% · 4.625%
HK$108,567
+HK$6,227/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$204,680/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,495,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,134
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$110,007
−HK$2,915/mo
Today · 4.125%
HK$112,922
baseline
▲ 0.50% · 4.625%
HK$118,875
+HK$5,953/mo
Deposit HK$14.08M · loan HK$21.12M · min. income ≈ HK$225,844/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,495,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,351
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$115,846
−HK$3,551/mo
Today · 4.125%
HK$119,397
baseline
▲ 0.50% · 4.625%
HK$126,662
+HK$7,265/mo
Deposit HK$10.56M · loan HK$24.64M · min. income ≈ HK$238,794/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,495,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,990
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$128,342
−HK$3,401/mo
Today · 4.125%
HK$131,743
baseline
▲ 0.50% · 4.625%
HK$138,687
+HK$6,944/mo
Deposit HK$10.56M · loan HK$24.64M · min. income ≈ HK$263,486/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,495,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,452
−HK$9,058/mo
▼ 0.25% · 3.875%
HK$148,945
−HK$4,565/mo
Today · 4.125%
HK$153,510
baseline
▲ 0.50% · 4.625%
HK$162,851
+HK$9,341/mo
Deposit HK$3.52M · loan HK$31.67M · min. income ≈ HK$307,020/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,495,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,701
−HK$8,682/mo
▼ 0.25% · 3.875%
HK$165,011
−HK$4,372/mo
Today · 4.125%
HK$169,383
baseline
▲ 0.50% · 4.625%
HK$178,312
+HK$8,929/mo
Deposit HK$3.52M · loan HK$31.67M · min. income ≈ HK$338,766/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,495,739 · Scale 2, in force from 26 Feb 2026)