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$80,366
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,866
−HK$2,540/mo
Today · 4.125%
HK$85,406
baseline
▲ 0.50% · 4.625%
HK$90,602
+HK$5,196/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$170,812/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,497,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,406
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,804
−HK$2,433/mo
Today · 4.125%
HK$94,237
baseline
▲ 0.50% · 4.625%
HK$99,204
+HK$4,967/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$188,474/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,497,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,439
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,439
−HK$3,048/mo
Today · 4.125%
HK$102,487
baseline
▲ 0.50% · 4.625%
HK$108,723
+HK$6,236/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$204,974/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,497,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,288
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,165
−HK$2,919/mo
Today · 4.125%
HK$113,084
baseline
▲ 0.50% · 4.625%
HK$119,045
+HK$5,961/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$226,168/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,497,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,512
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,012
−HK$3,556/mo
Today · 4.125%
HK$119,568
baseline
▲ 0.50% · 4.625%
HK$126,843
+HK$7,275/mo
Deposit HK$10.57M · loan HK$24.67M · min. income ≈ HK$239,136/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,169
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$128,526
−HK$3,405/mo
Today · 4.125%
HK$131,931
baseline
▲ 0.50% · 4.625%
HK$138,886
+HK$6,955/mo
Deposit HK$10.57M · loan HK$24.67M · min. income ≈ HK$263,862/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,659
−HK$9,071/mo
▼ 0.25% · 3.875%
HK$149,158
−HK$4,572/mo
Today · 4.125%
HK$153,730
baseline
▲ 0.50% · 4.625%
HK$163,084
+HK$9,354/mo
Deposit HK$3.52M · loan HK$31.72M · min. income ≈ HK$307,460/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,931
−HK$8,695/mo
▼ 0.25% · 3.875%
HK$165,247
−HK$4,379/mo
Today · 4.125%
HK$169,626
baseline
▲ 0.50% · 4.625%
HK$178,567
+HK$8,941/mo
Deposit HK$3.52M · loan HK$31.72M · min. income ≈ HK$339,252/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,882 · Scale 2, in force from 26 Feb 2026)