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$80,102
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,594
−HK$2,531/mo
Today · 4.125%
HK$85,125
baseline
▲ 0.50% · 4.625%
HK$90,305
+HK$5,180/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$170,250/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,492,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,113
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,503
−HK$2,425/mo
Today · 4.125%
HK$93,928
baseline
▲ 0.50% · 4.625%
HK$98,879
+HK$4,951/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$187,856/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,492,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,123
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$99,113
−HK$3,038/mo
Today · 4.125%
HK$102,151
baseline
▲ 0.50% · 4.625%
HK$108,366
+HK$6,215/mo
Deposit HK$14.05M · loan HK$21.08M · min. income ≈ HK$204,302/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,936
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,804
−HK$2,909/mo
Today · 4.125%
HK$112,713
baseline
▲ 0.50% · 4.625%
HK$118,654
+HK$5,941/mo
Deposit HK$14.05M · loan HK$21.08M · min. income ≈ HK$225,426/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,143
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$115,632
−HK$3,544/mo
Today · 4.125%
HK$119,176
baseline
▲ 0.50% · 4.625%
HK$126,427
+HK$7,251/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$238,352/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,758
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$128,104
−HK$3,395/mo
Today · 4.125%
HK$131,499
baseline
▲ 0.50% · 4.625%
HK$138,430
+HK$6,931/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$262,998/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,184
−HK$9,042/mo
▼ 0.25% · 3.875%
HK$148,669
−HK$4,557/mo
Today · 4.125%
HK$153,226
baseline
▲ 0.50% · 4.625%
HK$162,549
+HK$9,323/mo
Deposit HK$3.51M · loan HK$31.62M · min. income ≈ HK$306,452/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,492,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,403
−HK$8,667/mo
▼ 0.25% · 3.875%
HK$164,705
−HK$4,365/mo
Today · 4.125%
HK$169,070
baseline
▲ 0.50% · 4.625%
HK$177,981
+HK$8,911/mo
Deposit HK$3.51M · loan HK$31.62M · min. income ≈ HK$338,140/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,492,968 · Scale 2, in force from 26 Feb 2026)