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$80,195
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,690
−HK$2,534/mo
Today · 4.125%
HK$85,224
baseline
▲ 0.50% · 4.625%
HK$90,410
+HK$5,186/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$170,448/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,216
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,609
−HK$2,427/mo
Today · 4.125%
HK$94,036
baseline
▲ 0.50% · 4.625%
HK$98,993
+HK$4,957/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$188,072/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,234
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,228
−HK$3,041/mo
Today · 4.125%
HK$102,269
baseline
▲ 0.50% · 4.625%
HK$108,492
+HK$6,223/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$204,538/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,060
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$109,931
−HK$2,913/mo
Today · 4.125%
HK$112,844
baseline
▲ 0.50% · 4.625%
HK$118,792
+HK$5,948/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$225,688/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,273
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,766
−HK$3,548/mo
Today · 4.125%
HK$119,314
baseline
▲ 0.50% · 4.625%
HK$126,574
+HK$7,260/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$238,628/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,494,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,903
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$128,253
−HK$3,398/mo
Today · 4.125%
HK$131,651
baseline
▲ 0.50% · 4.625%
HK$138,590
+HK$6,939/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$263,302/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,494,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,351
−HK$9,052/mo
▼ 0.25% · 3.875%
HK$148,841
−HK$4,562/mo
Today · 4.125%
HK$153,403
baseline
▲ 0.50% · 4.625%
HK$162,738
+HK$9,335/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$306,806/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,589
−HK$8,677/mo
▼ 0.25% · 3.875%
HK$164,896
−HK$4,370/mo
Today · 4.125%
HK$169,266
baseline
▲ 0.50% · 4.625%
HK$178,188
+HK$8,922/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$338,532/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,699 · Scale 2, in force from 26 Feb 2026)