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$79,968
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,455
−HK$2,528/mo
Today · 4.125%
HK$84,983
baseline
▲ 0.50% · 4.625%
HK$90,154
+HK$5,171/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$169,966/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,963
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,349
−HK$2,421/mo
Today · 4.125%
HK$93,770
baseline
▲ 0.50% · 4.625%
HK$98,713
+HK$4,943/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$187,540/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,961
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,946
−HK$3,033/mo
Today · 4.125%
HK$101,979
baseline
▲ 0.50% · 4.625%
HK$108,184
+HK$6,205/mo
Deposit HK$14.03M · loan HK$21.04M · min. income ≈ HK$203,958/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,756
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,619
−HK$2,905/mo
Today · 4.125%
HK$112,524
baseline
▲ 0.50% · 4.625%
HK$118,455
+HK$5,931/mo
Deposit HK$14.03M · loan HK$21.04M · min. income ≈ HK$225,048/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,955
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$115,437
−HK$3,539/mo
Today · 4.125%
HK$118,976
baseline
▲ 0.50% · 4.625%
HK$126,215
+HK$7,239/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$237,952/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,549
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$127,889
−HK$3,389/mo
Today · 4.125%
HK$131,278
baseline
▲ 0.50% · 4.625%
HK$138,198
+HK$6,920/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$262,556/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,942
−HK$9,027/mo
▼ 0.25% · 3.875%
HK$148,420
−HK$4,549/mo
Today · 4.125%
HK$152,969
baseline
▲ 0.50% · 4.625%
HK$162,276
+HK$9,307/mo
Deposit HK$3.51M · loan HK$31.56M · min. income ≈ HK$305,938/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,134
−HK$8,652/mo
▼ 0.25% · 3.875%
HK$164,429
−HK$4,357/mo
Today · 4.125%
HK$168,786
baseline
▲ 0.50% · 4.625%
HK$177,683
+HK$8,897/mo
Deposit HK$3.51M · loan HK$31.56M · min. income ≈ HK$337,572/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,462 · Scale 2, in force from 26 Feb 2026)