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$80,146
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,639
−HK$2,533/mo
Today · 4.125%
HK$85,172
baseline
▲ 0.50% · 4.625%
HK$90,355
+HK$5,183/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$170,344/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,493,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,162
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,553
−HK$2,426/mo
Today · 4.125%
HK$93,979
baseline
▲ 0.50% · 4.625%
HK$98,933
+HK$4,954/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$187,958/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,493,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,176
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,167
−HK$3,040/mo
Today · 4.125%
HK$102,207
baseline
▲ 0.50% · 4.625%
HK$108,426
+HK$6,219/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$204,414/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,994
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,864
−HK$2,911/mo
Today · 4.125%
HK$112,775
baseline
▲ 0.50% · 4.625%
HK$118,719
+HK$5,944/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$225,550/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,205
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$115,695
−HK$3,546/mo
Today · 4.125%
HK$119,241
baseline
▲ 0.50% · 4.625%
HK$126,497
+HK$7,256/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$238,482/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,827
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,175
−HK$3,396/mo
Today · 4.125%
HK$131,571
baseline
▲ 0.50% · 4.625%
HK$138,506
+HK$6,935/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$263,142/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,263
−HK$9,047/mo
▼ 0.25% · 3.875%
HK$148,751
−HK$4,559/mo
Today · 4.125%
HK$153,310
baseline
▲ 0.50% · 4.625%
HK$162,639
+HK$9,329/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$306,620/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,492
−HK$8,670/mo
▼ 0.25% · 3.875%
HK$164,796
−HK$4,366/mo
Today · 4.125%
HK$169,162
baseline
▲ 0.50% · 4.625%
HK$178,079
+HK$8,917/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$338,324/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,788 · Scale 2, in force from 26 Feb 2026)