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$80,079
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,570
−HK$2,531/mo
Today · 4.125%
HK$85,101
baseline
▲ 0.50% · 4.625%
HK$90,279
+HK$5,178/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$170,202/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,087
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,477
−HK$2,424/mo
Today · 4.125%
HK$93,901
baseline
▲ 0.50% · 4.625%
HK$98,850
+HK$4,949/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$187,802/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,095
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$99,084
−HK$3,037/mo
Today · 4.125%
HK$102,121
baseline
▲ 0.50% · 4.625%
HK$108,335
+HK$6,214/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$204,242/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,905
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$109,772
−HK$2,909/mo
Today · 4.125%
HK$112,681
baseline
▲ 0.50% · 4.625%
HK$118,620
+HK$5,939/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$225,362/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,111
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$115,598
−HK$3,543/mo
Today · 4.125%
HK$119,141
baseline
▲ 0.50% · 4.625%
HK$126,391
+HK$7,250/mo
Deposit HK$10.54M · loan HK$24.58M · min. income ≈ HK$238,282/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,722
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$128,067
−HK$3,394/mo
Today · 4.125%
HK$131,461
baseline
▲ 0.50% · 4.625%
HK$138,390
+HK$6,929/mo
Deposit HK$10.54M · loan HK$24.58M · min. income ≈ HK$262,922/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,143
−HK$9,039/mo
▼ 0.25% · 3.875%
HK$148,627
−HK$4,555/mo
Today · 4.125%
HK$153,182
baseline
▲ 0.50% · 4.625%
HK$162,503
+HK$9,321/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$306,364/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,492,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,357
−HK$8,664/mo
▼ 0.25% · 3.875%
HK$164,658
−HK$4,363/mo
Today · 4.125%
HK$169,021
baseline
▲ 0.50% · 4.625%
HK$177,930
+HK$8,909/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$338,042/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,492,540 · Scale 2, in force from 26 Feb 2026)