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$80,341
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,840
−HK$2,539/mo
Today · 4.125%
HK$85,379
baseline
▲ 0.50% · 4.625%
HK$90,574
+HK$5,195/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$170,758/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,497,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,378
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,775
−HK$2,432/mo
Today · 4.125%
HK$94,207
baseline
▲ 0.50% · 4.625%
HK$99,173
+HK$4,966/mo
Deposit HK$17.62M · loan HK$17.62M · min. income ≈ HK$188,414/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,497,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,409
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,408
−HK$3,047/mo
Today · 4.125%
HK$102,455
baseline
▲ 0.50% · 4.625%
HK$108,689
+HK$6,234/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$204,910/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,254
−HK$5,795/mo
▼ 0.25% · 3.875%
HK$110,130
−HK$2,919/mo
Today · 4.125%
HK$113,049
baseline
▲ 0.50% · 4.625%
HK$119,007
+HK$5,958/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$226,098/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,477
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$115,976
−HK$3,554/mo
Today · 4.125%
HK$119,530
baseline
▲ 0.50% · 4.625%
HK$126,804
+HK$7,274/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$239,060/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,130
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,486
−HK$3,404/mo
Today · 4.125%
HK$131,890
baseline
▲ 0.50% · 4.625%
HK$138,842
+HK$6,952/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$263,780/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,613
−HK$9,069/mo
▼ 0.25% · 3.875%
HK$149,112
−HK$4,570/mo
Today · 4.125%
HK$153,682
baseline
▲ 0.50% · 4.625%
HK$163,033
+HK$9,351/mo
Deposit HK$3.52M · loan HK$31.71M · min. income ≈ HK$307,364/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,881
−HK$8,692/mo
▼ 0.25% · 3.875%
HK$165,196
−HK$4,377/mo
Today · 4.125%
HK$169,573
baseline
▲ 0.50% · 4.625%
HK$178,511
+HK$8,938/mo
Deposit HK$3.52M · loan HK$31.71M · min. income ≈ HK$339,146/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,412 · Scale 2, in force from 26 Feb 2026)