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$80,376
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,876
−HK$2,540/mo
Today · 4.125%
HK$85,416
baseline
▲ 0.50% · 4.625%
HK$90,613
+HK$5,197/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$170,832/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,498,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,417
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,815
−HK$2,433/mo
Today · 4.125%
HK$94,248
baseline
▲ 0.50% · 4.625%
HK$99,216
+HK$4,968/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$188,496/mo (50% DSR)
Upfront cash ≈ HK$19.12M (deposit + AVD stamp duty HK$1,498,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,451
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,451
−HK$3,048/mo
Today · 4.125%
HK$102,499
baseline
▲ 0.50% · 4.625%
HK$108,736
+HK$6,237/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$204,998/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,301
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,178
−HK$2,920/mo
Today · 4.125%
HK$113,098
baseline
▲ 0.50% · 4.625%
HK$119,059
+HK$5,961/mo
Deposit HK$14.10M · loan HK$21.15M · min. income ≈ HK$226,196/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,498,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,526
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,026
−HK$3,556/mo
Today · 4.125%
HK$119,582
baseline
▲ 0.50% · 4.625%
HK$126,859
+HK$7,277/mo
Deposit HK$10.57M · loan HK$24.67M · min. income ≈ HK$239,164/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,498,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,184
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,541
−HK$3,406/mo
Today · 4.125%
HK$131,947
baseline
▲ 0.50% · 4.625%
HK$138,903
+HK$6,956/mo
Deposit HK$10.57M · loan HK$24.67M · min. income ≈ HK$263,894/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,498,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,676
−HK$9,073/mo
▼ 0.25% · 3.875%
HK$149,177
−HK$4,572/mo
Today · 4.125%
HK$153,749
baseline
▲ 0.50% · 4.625%
HK$163,104
+HK$9,355/mo
Deposit HK$3.52M · loan HK$31.72M · min. income ≈ HK$307,498/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,498,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,951
−HK$8,696/mo
▼ 0.25% · 3.875%
HK$165,268
−HK$4,379/mo
Today · 4.125%
HK$169,647
baseline
▲ 0.50% · 4.625%
HK$178,589
+HK$8,942/mo
Deposit HK$3.52M · loan HK$31.72M · min. income ≈ HK$339,294/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,498,064 · Scale 2, in force from 26 Feb 2026)