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$80,322
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,821
−HK$2,538/mo
Today · 4.125%
HK$85,359
baseline
▲ 0.50% · 4.625%
HK$90,553
+HK$5,194/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$170,718/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,497,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,358
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,754
−HK$2,432/mo
Today · 4.125%
HK$94,186
baseline
▲ 0.50% · 4.625%
HK$99,150
+HK$4,964/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$188,372/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,497,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,387
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,385
−HK$3,046/mo
Today · 4.125%
HK$102,431
baseline
▲ 0.50% · 4.625%
HK$108,664
+HK$6,233/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$204,862/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,229
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,105
−HK$2,918/mo
Today · 4.125%
HK$113,023
baseline
▲ 0.50% · 4.625%
HK$118,980
+HK$5,957/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$226,046/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,451
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,949
−HK$3,554/mo
Today · 4.125%
HK$119,503
baseline
▲ 0.50% · 4.625%
HK$126,774
+HK$7,271/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$239,006/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,497,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,101
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$128,456
−HK$3,404/mo
Today · 4.125%
HK$131,860
baseline
▲ 0.50% · 4.625%
HK$138,810
+HK$6,950/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$263,720/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,497,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,580
−HK$9,067/mo
▼ 0.25% · 3.875%
HK$149,078
−HK$4,569/mo
Today · 4.125%
HK$153,647
baseline
▲ 0.50% · 4.625%
HK$162,996
+HK$9,349/mo
Deposit HK$3.52M · loan HK$31.70M · min. income ≈ HK$307,294/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,844
−HK$8,690/mo
▼ 0.25% · 3.875%
HK$165,158
−HK$4,376/mo
Today · 4.125%
HK$169,534
baseline
▲ 0.50% · 4.625%
HK$178,470
+HK$8,936/mo
Deposit HK$3.52M · loan HK$31.70M · min. income ≈ HK$339,068/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,069 · Scale 2, in force from 26 Feb 2026)