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$80,001
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,489
−HK$2,528/mo
Today · 4.125%
HK$85,017
baseline
▲ 0.50% · 4.625%
HK$90,190
+HK$5,173/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$170,034/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,491,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,000
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,387
−HK$2,421/mo
Today · 4.125%
HK$93,808
baseline
▲ 0.50% · 4.625%
HK$98,753
+HK$4,945/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$187,616/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,491,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,001
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$98,987
−HK$3,034/mo
Today · 4.125%
HK$102,021
baseline
▲ 0.50% · 4.625%
HK$108,229
+HK$6,208/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$204,042/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,491,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,800
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$109,664
−HK$2,906/mo
Today · 4.125%
HK$112,570
baseline
▲ 0.50% · 4.625%
HK$118,504
+HK$5,934/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$225,140/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,491,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,001
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$115,485
−HK$3,539/mo
Today · 4.125%
HK$119,024
baseline
▲ 0.50% · 4.625%
HK$126,267
+HK$7,243/mo
Deposit HK$10.53M · loan HK$24.56M · min. income ≈ HK$238,048/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,600
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$127,942
−HK$3,390/mo
Today · 4.125%
HK$131,332
baseline
▲ 0.50% · 4.625%
HK$138,254
+HK$6,922/mo
Deposit HK$10.53M · loan HK$24.56M · min. income ≈ HK$262,664/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,001
−HK$9,030/mo
▼ 0.25% · 3.875%
HK$148,480
−HK$4,551/mo
Today · 4.125%
HK$153,031
baseline
▲ 0.50% · 4.625%
HK$162,343
+HK$9,312/mo
Deposit HK$3.51M · loan HK$31.58M · min. income ≈ HK$306,062/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,200
−HK$8,655/mo
▼ 0.25% · 3.875%
HK$164,496
−HK$4,359/mo
Today · 4.125%
HK$168,855
baseline
▲ 0.50% · 4.625%
HK$177,756
+HK$8,901/mo
Deposit HK$3.51M · loan HK$31.58M · min. income ≈ HK$337,710/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,073 · Scale 2, in force from 26 Feb 2026)