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$80,347
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,846
−HK$2,539/mo
Today · 4.125%
HK$85,385
baseline
▲ 0.50% · 4.625%
HK$90,580
+HK$5,195/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$170,770/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,497,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,385
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,782
−HK$2,432/mo
Today · 4.125%
HK$94,214
baseline
▲ 0.50% · 4.625%
HK$99,180
+HK$4,966/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$188,428/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,497,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,416
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,415
−HK$3,047/mo
Today · 4.125%
HK$102,462
baseline
▲ 0.50% · 4.625%
HK$108,697
+HK$6,235/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$204,924/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,262
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,138
−HK$2,919/mo
Today · 4.125%
HK$113,057
baseline
▲ 0.50% · 4.625%
HK$119,016
+HK$5,959/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$226,114/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,485
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$115,984
−HK$3,555/mo
Today · 4.125%
HK$119,539
baseline
▲ 0.50% · 4.625%
HK$126,813
+HK$7,274/mo
Deposit HK$10.57M · loan HK$24.67M · min. income ≈ HK$239,078/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,139
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,495
−HK$3,404/mo
Today · 4.125%
HK$131,899
baseline
▲ 0.50% · 4.625%
HK$138,852
+HK$6,953/mo
Deposit HK$10.57M · loan HK$24.67M · min. income ≈ HK$263,798/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,624
−HK$9,069/mo
▼ 0.25% · 3.875%
HK$149,122
−HK$4,571/mo
Today · 4.125%
HK$153,693
baseline
▲ 0.50% · 4.625%
HK$163,045
+HK$9,352/mo
Deposit HK$3.52M · loan HK$31.71M · min. income ≈ HK$307,386/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,892
−HK$8,693/mo
▼ 0.25% · 3.875%
HK$165,207
−HK$4,378/mo
Today · 4.125%
HK$169,585
baseline
▲ 0.50% · 4.625%
HK$178,524
+HK$8,939/mo
Deposit HK$3.52M · loan HK$31.71M · min. income ≈ HK$339,170/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,519 · Scale 2, in force from 26 Feb 2026)