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$80,150
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,643
−HK$2,533/mo
Today · 4.125%
HK$85,176
baseline
▲ 0.50% · 4.625%
HK$90,358
+HK$5,182/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$170,352/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,493,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,166
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,557
−HK$2,426/mo
Today · 4.125%
HK$93,983
baseline
▲ 0.50% · 4.625%
HK$98,937
+HK$4,954/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$187,966/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,493,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,180
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,171
−HK$3,040/mo
Today · 4.125%
HK$102,211
baseline
▲ 0.50% · 4.625%
HK$108,430
+HK$6,219/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$204,422/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,999
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,868
−HK$2,912/mo
Today · 4.125%
HK$112,780
baseline
▲ 0.50% · 4.625%
HK$118,724
+HK$5,944/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$225,560/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,209
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,700
−HK$3,546/mo
Today · 4.125%
HK$119,246
baseline
▲ 0.50% · 4.625%
HK$126,502
+HK$7,256/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$238,492/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,832
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,180
−HK$3,396/mo
Today · 4.125%
HK$131,576
baseline
▲ 0.50% · 4.625%
HK$138,512
+HK$6,936/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$263,152/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,269
−HK$9,047/mo
▼ 0.25% · 3.875%
HK$148,757
−HK$4,559/mo
Today · 4.125%
HK$153,316
baseline
▲ 0.50% · 4.625%
HK$162,645
+HK$9,329/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$306,632/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,498
−HK$8,671/mo
▼ 0.25% · 3.875%
HK$164,803
−HK$4,366/mo
Today · 4.125%
HK$169,169
baseline
▲ 0.50% · 4.625%
HK$178,087
+HK$8,918/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$338,338/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,850 · Scale 2, in force from 26 Feb 2026)