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$80,021
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,510
−HK$2,529/mo
Today · 4.125%
HK$85,039
baseline
▲ 0.50% · 4.625%
HK$90,214
+HK$5,175/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$170,078/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,023
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,410
−HK$2,422/mo
Today · 4.125%
HK$93,832
baseline
▲ 0.50% · 4.625%
HK$98,778
+HK$4,946/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$187,664/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,025
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,012
−HK$3,035/mo
Today · 4.125%
HK$102,047
baseline
▲ 0.50% · 4.625%
HK$108,256
+HK$6,209/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$204,094/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,827
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,692
−HK$2,907/mo
Today · 4.125%
HK$112,599
baseline
▲ 0.50% · 4.625%
HK$118,534
+HK$5,935/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$225,198/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,030
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$115,514
−HK$3,541/mo
Today · 4.125%
HK$119,055
baseline
▲ 0.50% · 4.625%
HK$126,299
+HK$7,244/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$238,110/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,632
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$127,974
−HK$3,391/mo
Today · 4.125%
HK$131,365
baseline
▲ 0.50% · 4.625%
HK$138,290
+HK$6,925/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$262,730/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,038
−HK$9,032/mo
▼ 0.25% · 3.875%
HK$148,518
−HK$4,552/mo
Today · 4.125%
HK$153,070
baseline
▲ 0.50% · 4.625%
HK$162,384
+HK$9,314/mo
Deposit HK$3.51M · loan HK$31.58M · min. income ≈ HK$306,140/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,241
−HK$8,657/mo
▼ 0.25% · 3.875%
HK$164,538
−HK$4,360/mo
Today · 4.125%
HK$168,898
baseline
▲ 0.50% · 4.625%
HK$177,801
+HK$8,903/mo
Deposit HK$3.51M · loan HK$31.58M · min. income ≈ HK$337,796/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,454 · Scale 2, in force from 26 Feb 2026)