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$80,026
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,515
−HK$2,529/mo
Today · 4.125%
HK$85,044
baseline
▲ 0.50% · 4.625%
HK$90,219
+HK$5,175/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$170,088/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,028
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,415
−HK$2,422/mo
Today · 4.125%
HK$93,837
baseline
▲ 0.50% · 4.625%
HK$98,784
+HK$4,947/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$187,674/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,031
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,018
−HK$3,035/mo
Today · 4.125%
HK$102,053
baseline
▲ 0.50% · 4.625%
HK$108,262
+HK$6,209/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$204,106/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,833
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,698
−HK$2,907/mo
Today · 4.125%
HK$112,605
baseline
▲ 0.50% · 4.625%
HK$118,541
+HK$5,936/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$225,210/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,036
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$115,521
−HK$3,540/mo
Today · 4.125%
HK$119,061
baseline
▲ 0.50% · 4.625%
HK$126,306
+HK$7,245/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$238,122/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,639
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$127,981
−HK$3,391/mo
Today · 4.125%
HK$131,372
baseline
▲ 0.50% · 4.625%
HK$138,297
+HK$6,925/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$262,744/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,046
−HK$9,033/mo
▼ 0.25% · 3.875%
HK$148,527
−HK$4,552/mo
Today · 4.125%
HK$153,079
baseline
▲ 0.50% · 4.625%
HK$162,393
+HK$9,314/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$306,158/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,250
−HK$8,657/mo
▼ 0.25% · 3.875%
HK$164,548
−HK$4,359/mo
Today · 4.125%
HK$168,907
baseline
▲ 0.50% · 4.625%
HK$177,811
+HK$8,904/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$337,814/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,537 · Scale 2, in force from 26 Feb 2026)