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$79,957
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,444
−HK$2,527/mo
Today · 4.125%
HK$84,971
baseline
▲ 0.50% · 4.625%
HK$90,142
+HK$5,171/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$169,942/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,490,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,952
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,337
−HK$2,420/mo
Today · 4.125%
HK$93,757
baseline
▲ 0.50% · 4.625%
HK$98,700
+HK$4,943/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$187,514/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,490,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,949
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$98,933
−HK$3,033/mo
Today · 4.125%
HK$101,966
baseline
▲ 0.50% · 4.625%
HK$108,170
+HK$6,204/mo
Deposit HK$14.03M · loan HK$21.04M · min. income ≈ HK$203,932/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,742
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$109,605
−HK$2,904/mo
Today · 4.125%
HK$112,509
baseline
▲ 0.50% · 4.625%
HK$118,439
+HK$5,930/mo
Deposit HK$14.03M · loan HK$21.04M · min. income ≈ HK$225,018/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,940
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$115,422
−HK$3,538/mo
Today · 4.125%
HK$118,960
baseline
▲ 0.50% · 4.625%
HK$126,198
+HK$7,238/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$237,920/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,532
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,872
−HK$3,388/mo
Today · 4.125%
HK$131,260
baseline
▲ 0.50% · 4.625%
HK$138,179
+HK$6,919/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$262,520/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,923
−HK$9,025/mo
▼ 0.25% · 3.875%
HK$148,400
−HK$4,548/mo
Today · 4.125%
HK$152,948
baseline
▲ 0.50% · 4.625%
HK$162,255
+HK$9,307/mo
Deposit HK$3.51M · loan HK$31.56M · min. income ≈ HK$305,896/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,113
−HK$8,650/mo
▼ 0.25% · 3.875%
HK$164,407
−HK$4,356/mo
Today · 4.125%
HK$168,763
baseline
▲ 0.50% · 4.625%
HK$177,659
+HK$8,896/mo
Deposit HK$3.51M · loan HK$31.56M · min. income ≈ HK$337,526/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,264 · Scale 2, in force from 26 Feb 2026)