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$79,925
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,411
−HK$2,526/mo
Today · 4.125%
HK$84,937
baseline
▲ 0.50% · 4.625%
HK$90,105
+HK$5,168/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$169,874/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,489,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,915
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,300
−HK$2,419/mo
Today · 4.125%
HK$93,719
baseline
▲ 0.50% · 4.625%
HK$98,659
+HK$4,940/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$187,438/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,489,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,909
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,893
−HK$3,031/mo
Today · 4.125%
HK$101,924
baseline
▲ 0.50% · 4.625%
HK$108,126
+HK$6,202/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$203,848/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,698
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,560
−HK$2,903/mo
Today · 4.125%
HK$112,463
baseline
▲ 0.50% · 4.625%
HK$118,391
+HK$5,928/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$224,926/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,894
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$115,375
−HK$3,536/mo
Today · 4.125%
HK$118,911
baseline
▲ 0.50% · 4.625%
HK$126,147
+HK$7,236/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$237,822/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,481
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,820
−HK$3,387/mo
Today · 4.125%
HK$131,207
baseline
▲ 0.50% · 4.625%
HK$138,123
+HK$6,916/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$262,414/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,864
−HK$9,022/mo
▼ 0.25% · 3.875%
HK$148,339
−HK$4,547/mo
Today · 4.125%
HK$152,886
baseline
▲ 0.50% · 4.625%
HK$162,189
+HK$9,303/mo
Deposit HK$3.51M · loan HK$31.55M · min. income ≈ HK$305,772/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,048
−HK$8,646/mo
▼ 0.25% · 3.875%
HK$164,340
−HK$4,354/mo
Today · 4.125%
HK$168,694
baseline
▲ 0.50% · 4.625%
HK$177,587
+HK$8,893/mo
Deposit HK$3.51M · loan HK$31.55M · min. income ≈ HK$337,388/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,655 · Scale 2, in force from 26 Feb 2026)