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$80,371
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,871
−HK$2,540/mo
Today · 4.125%
HK$85,411
baseline
▲ 0.50% · 4.625%
HK$90,608
+HK$5,197/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$170,822/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,497,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,412
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,810
−HK$2,432/mo
Today · 4.125%
HK$94,242
baseline
▲ 0.50% · 4.625%
HK$99,210
+HK$4,968/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$188,484/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,497,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,445
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,445
−HK$3,048/mo
Today · 4.125%
HK$102,493
baseline
▲ 0.50% · 4.625%
HK$108,729
+HK$6,236/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$204,986/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,497,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,294
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,172
−HK$2,919/mo
Today · 4.125%
HK$113,091
baseline
▲ 0.50% · 4.625%
HK$119,052
+HK$5,961/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$226,182/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,497,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,519
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,019
−HK$3,556/mo
Today · 4.125%
HK$119,575
baseline
▲ 0.50% · 4.625%
HK$126,851
+HK$7,276/mo
Deposit HK$10.57M · loan HK$24.67M · min. income ≈ HK$239,150/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,176
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,534
−HK$3,405/mo
Today · 4.125%
HK$131,939
baseline
▲ 0.50% · 4.625%
HK$138,894
+HK$6,955/mo
Deposit HK$10.57M · loan HK$24.67M · min. income ≈ HK$263,878/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,668
−HK$9,071/mo
▼ 0.25% · 3.875%
HK$149,167
−HK$4,572/mo
Today · 4.125%
HK$153,739
baseline
▲ 0.50% · 4.625%
HK$163,094
+HK$9,355/mo
Deposit HK$3.52M · loan HK$31.72M · min. income ≈ HK$307,478/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,941
−HK$8,695/mo
▼ 0.25% · 3.875%
HK$165,258
−HK$4,378/mo
Today · 4.125%
HK$169,636
baseline
▲ 0.50% · 4.625%
HK$178,578
+HK$8,942/mo
Deposit HK$3.52M · loan HK$31.72M · min. income ≈ HK$339,272/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,973 · Scale 2, in force from 26 Feb 2026)