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$80,043
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,533
−HK$2,529/mo
Today · 4.125%
HK$85,062
baseline
▲ 0.50% · 4.625%
HK$90,238
+HK$5,176/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$170,124/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,047
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,435
−HK$2,423/mo
Today · 4.125%
HK$93,858
baseline
▲ 0.50% · 4.625%
HK$98,805
+HK$4,947/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$187,716/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,051
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,039
−HK$3,036/mo
Today · 4.125%
HK$102,075
baseline
▲ 0.50% · 4.625%
HK$108,286
+HK$6,211/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$204,150/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,856
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,722
−HK$2,907/mo
Today · 4.125%
HK$112,629
baseline
▲ 0.50% · 4.625%
HK$118,566
+HK$5,937/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$225,258/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,060
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,546
−HK$3,541/mo
Today · 4.125%
HK$119,087
baseline
▲ 0.50% · 4.625%
HK$126,333
+HK$7,246/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$238,174/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,666
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$128,009
−HK$3,392/mo
Today · 4.125%
HK$131,401
baseline
▲ 0.50% · 4.625%
HK$138,327
+HK$6,926/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$262,802/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,077
−HK$9,035/mo
▼ 0.25% · 3.875%
HK$148,559
−HK$4,553/mo
Today · 4.125%
HK$153,112
baseline
▲ 0.50% · 4.625%
HK$162,429
+HK$9,317/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$306,224/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,284
−HK$8,660/mo
▼ 0.25% · 3.875%
HK$164,583
−HK$4,361/mo
Today · 4.125%
HK$168,944
baseline
▲ 0.50% · 4.625%
HK$177,849
+HK$8,905/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$337,888/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,860 · Scale 2, in force from 26 Feb 2026)