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$80,097
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,588
−HK$2,531/mo
Today · 4.125%
HK$85,119
baseline
▲ 0.50% · 4.625%
HK$90,299
+HK$5,180/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$170,238/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,492,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,107
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,497
−HK$2,424/mo
Today · 4.125%
HK$93,921
baseline
▲ 0.50% · 4.625%
HK$98,872
+HK$4,951/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$187,842/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,492,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,116
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,106
−HK$3,037/mo
Today · 4.125%
HK$102,143
baseline
▲ 0.50% · 4.625%
HK$108,359
+HK$6,216/mo
Deposit HK$14.05M · loan HK$21.08M · min. income ≈ HK$204,286/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,928
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,796
−HK$2,909/mo
Today · 4.125%
HK$112,705
baseline
▲ 0.50% · 4.625%
HK$118,646
+HK$5,941/mo
Deposit HK$14.05M · loan HK$21.08M · min. income ≈ HK$225,410/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,135
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,623
−HK$3,544/mo
Today · 4.125%
HK$119,167
baseline
▲ 0.50% · 4.625%
HK$126,418
+HK$7,251/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$238,334/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,750
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$128,095
−HK$3,394/mo
Today · 4.125%
HK$131,489
baseline
▲ 0.50% · 4.625%
HK$138,420
+HK$6,931/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$262,978/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,174
−HK$9,041/mo
▼ 0.25% · 3.875%
HK$148,659
−HK$4,556/mo
Today · 4.125%
HK$153,215
baseline
▲ 0.50% · 4.625%
HK$162,538
+HK$9,323/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$306,430/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,492,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,392
−HK$8,666/mo
▼ 0.25% · 3.875%
HK$164,694
−HK$4,364/mo
Today · 4.125%
HK$169,058
baseline
▲ 0.50% · 4.625%
HK$177,969
+HK$8,911/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$338,116/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,492,864 · Scale 2, in force from 26 Feb 2026)