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$80,127
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,620
−HK$2,532/mo
Today · 4.125%
HK$85,152
baseline
▲ 0.50% · 4.625%
HK$90,333
+HK$5,181/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$170,304/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,141
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,531
−HK$2,426/mo
Today · 4.125%
HK$93,957
baseline
▲ 0.50% · 4.625%
HK$98,909
+HK$4,952/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$187,914/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,153
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,143
−HK$3,039/mo
Today · 4.125%
HK$102,182
baseline
▲ 0.50% · 4.625%
HK$108,400
+HK$6,218/mo
Deposit HK$14.06M · loan HK$21.08M · min. income ≈ HK$204,364/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,969
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$109,838
−HK$2,910/mo
Today · 4.125%
HK$112,748
baseline
▲ 0.50% · 4.625%
HK$118,691
+HK$5,943/mo
Deposit HK$14.06M · loan HK$21.08M · min. income ≈ HK$225,496/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,178
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$115,667
−HK$3,546/mo
Today · 4.125%
HK$119,213
baseline
▲ 0.50% · 4.625%
HK$126,466
+HK$7,253/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$238,426/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,797
−HK$6,742/mo
▼ 0.25% · 3.875%
HK$128,144
−HK$3,395/mo
Today · 4.125%
HK$131,539
baseline
▲ 0.50% · 4.625%
HK$138,473
+HK$6,934/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$263,078/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,229
−HK$9,044/mo
▼ 0.25% · 3.875%
HK$148,715
−HK$4,558/mo
Today · 4.125%
HK$153,273
baseline
▲ 0.50% · 4.625%
HK$162,600
+HK$9,327/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$306,546/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,453
−HK$8,669/mo
▼ 0.25% · 3.875%
HK$164,756
−HK$4,366/mo
Today · 4.125%
HK$169,122
baseline
▲ 0.50% · 4.625%
HK$178,037
+HK$8,915/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$338,244/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,431 · Scale 2, in force from 26 Feb 2026)