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$80,188
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,682
−HK$2,534/mo
Today · 4.125%
HK$85,216
baseline
▲ 0.50% · 4.625%
HK$90,401
+HK$5,185/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$170,432/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,208
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,601
−HK$2,427/mo
Today · 4.125%
HK$94,028
baseline
▲ 0.50% · 4.625%
HK$98,984
+HK$4,956/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$188,056/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,225
−HK$6,035/mo
▼ 0.25% · 3.875%
HK$99,218
−HK$3,042/mo
Today · 4.125%
HK$102,260
baseline
▲ 0.50% · 4.625%
HK$108,482
+HK$6,222/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$204,520/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,050
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$109,921
−HK$2,912/mo
Today · 4.125%
HK$112,833
baseline
▲ 0.50% · 4.625%
HK$118,781
+HK$5,948/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$225,666/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,263
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$115,755
−HK$3,548/mo
Today · 4.125%
HK$119,303
baseline
▲ 0.50% · 4.625%
HK$126,562
+HK$7,259/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$238,606/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,494,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,891
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$128,241
−HK$3,398/mo
Today · 4.125%
HK$131,639
baseline
▲ 0.50% · 4.625%
HK$138,578
+HK$6,939/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$263,278/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,494,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,338
−HK$9,051/mo
▼ 0.25% · 3.875%
HK$148,828
−HK$4,561/mo
Today · 4.125%
HK$153,389
baseline
▲ 0.50% · 4.625%
HK$162,723
+HK$9,334/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$306,778/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,575
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$164,881
−HK$4,369/mo
Today · 4.125%
HK$169,250
baseline
▲ 0.50% · 4.625%
HK$178,171
+HK$8,921/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$338,500/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,561 · Scale 2, in force from 26 Feb 2026)