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$79,906
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,392
−HK$2,525/mo
Today · 4.125%
HK$84,917
baseline
▲ 0.50% · 4.625%
HK$90,084
+HK$5,167/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$169,834/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,489,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,895
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,279
−HK$2,419/mo
Today · 4.125%
HK$93,698
baseline
▲ 0.50% · 4.625%
HK$98,637
+HK$4,939/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$187,396/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,489,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,888
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,870
−HK$3,031/mo
Today · 4.125%
HK$101,901
baseline
▲ 0.50% · 4.625%
HK$108,101
+HK$6,200/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$203,802/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,674
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,535
−HK$2,902/mo
Today · 4.125%
HK$112,437
baseline
▲ 0.50% · 4.625%
HK$118,364
+HK$5,927/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$224,874/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,869
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$115,349
−HK$3,535/mo
Today · 4.125%
HK$118,884
baseline
▲ 0.50% · 4.625%
HK$126,118
+HK$7,234/mo
Deposit HK$10.51M · loan HK$24.53M · min. income ≈ HK$237,768/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,453
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$127,791
−HK$3,386/mo
Today · 4.125%
HK$131,177
baseline
▲ 0.50% · 4.625%
HK$138,092
+HK$6,915/mo
Deposit HK$10.51M · loan HK$24.53M · min. income ≈ HK$262,354/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,832
−HK$9,019/mo
▼ 0.25% · 3.875%
HK$148,306
−HK$4,545/mo
Today · 4.125%
HK$152,851
baseline
▲ 0.50% · 4.625%
HK$162,152
+HK$9,301/mo
Deposit HK$3.50M · loan HK$31.54M · min. income ≈ HK$305,702/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,011
−HK$8,645/mo
▼ 0.25% · 3.875%
HK$164,303
−HK$4,353/mo
Today · 4.125%
HK$168,656
baseline
▲ 0.50% · 4.625%
HK$177,546
+HK$8,890/mo
Deposit HK$3.50M · loan HK$31.54M · min. income ≈ HK$337,312/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,318 · Scale 2, in force from 26 Feb 2026)