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$80,033
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,523
−HK$2,529/mo
Today · 4.125%
HK$85,052
baseline
▲ 0.50% · 4.625%
HK$90,227
+HK$5,175/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$170,104/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,036
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,424
−HK$2,423/mo
Today · 4.125%
HK$93,847
baseline
▲ 0.50% · 4.625%
HK$98,793
+HK$4,946/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$187,694/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,040
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,027
−HK$3,036/mo
Today · 4.125%
HK$102,063
baseline
▲ 0.50% · 4.625%
HK$108,273
+HK$6,210/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$204,126/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,844
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,709
−HK$2,907/mo
Today · 4.125%
HK$112,616
baseline
▲ 0.50% · 4.625%
HK$118,552
+HK$5,936/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$225,232/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,047
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$115,532
−HK$3,541/mo
Today · 4.125%
HK$119,073
baseline
▲ 0.50% · 4.625%
HK$126,318
+HK$7,245/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$238,146/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,651
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$127,994
−HK$3,391/mo
Today · 4.125%
HK$131,385
baseline
▲ 0.50% · 4.625%
HK$138,311
+HK$6,926/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$262,770/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,060
−HK$9,034/mo
▼ 0.25% · 3.875%
HK$148,541
−HK$4,553/mo
Today · 4.125%
HK$153,094
baseline
▲ 0.50% · 4.625%
HK$162,409
+HK$9,315/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$306,188/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,265
−HK$8,659/mo
▼ 0.25% · 3.875%
HK$164,564
−HK$4,360/mo
Today · 4.125%
HK$168,924
baseline
▲ 0.50% · 4.625%
HK$177,828
+HK$8,904/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$337,848/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,683 · Scale 2, in force from 26 Feb 2026)