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$80,134
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,626
−HK$2,533/mo
Today · 4.125%
HK$85,159
baseline
▲ 0.50% · 4.625%
HK$90,340
+HK$5,181/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$170,318/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,148
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,539
−HK$2,425/mo
Today · 4.125%
HK$93,964
baseline
▲ 0.50% · 4.625%
HK$98,917
+HK$4,953/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$187,928/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,160
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,151
−HK$3,039/mo
Today · 4.125%
HK$102,190
baseline
▲ 0.50% · 4.625%
HK$108,408
+HK$6,218/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$204,380/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,977
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,846
−HK$2,911/mo
Today · 4.125%
HK$112,757
baseline
▲ 0.50% · 4.625%
HK$118,700
+HK$5,943/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$225,514/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,187
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$115,677
−HK$3,545/mo
Today · 4.125%
HK$119,222
baseline
▲ 0.50% · 4.625%
HK$126,476
+HK$7,254/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$238,444/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,807
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$128,154
−HK$3,396/mo
Today · 4.125%
HK$131,550
baseline
▲ 0.50% · 4.625%
HK$138,484
+HK$6,934/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$263,100/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,240
−HK$9,045/mo
▼ 0.25% · 3.875%
HK$148,727
−HK$4,558/mo
Today · 4.125%
HK$153,285
baseline
▲ 0.50% · 4.625%
HK$162,613
+HK$9,328/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$306,570/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,466
−HK$8,669/mo
▼ 0.25% · 3.875%
HK$164,770
−HK$4,365/mo
Today · 4.125%
HK$169,135
baseline
▲ 0.50% · 4.625%
HK$178,051
+HK$8,916/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$338,270/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,549 · Scale 2, in force from 26 Feb 2026)