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$80,427
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,928
−HK$2,542/mo
Today · 4.125%
HK$85,470
baseline
▲ 0.50% · 4.625%
HK$90,671
+HK$5,201/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$170,940/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,499,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,474
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,873
−HK$2,435/mo
Today · 4.125%
HK$94,308
baseline
▲ 0.50% · 4.625%
HK$99,279
+HK$4,971/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$188,616/mo (50% DSR)
Upfront cash ≈ HK$19.13M (deposit + AVD stamp duty HK$1,499,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,512
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,514
−HK$3,050/mo
Today · 4.125%
HK$102,564
baseline
▲ 0.50% · 4.625%
HK$108,805
+HK$6,241/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$205,128/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,368
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,248
−HK$2,921/mo
Today · 4.125%
HK$113,169
baseline
▲ 0.50% · 4.625%
HK$119,135
+HK$5,966/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$226,338/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,597
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,100
−HK$3,558/mo
Today · 4.125%
HK$119,658
baseline
▲ 0.50% · 4.625%
HK$126,939
+HK$7,281/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$239,316/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,263
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,623
−HK$3,408/mo
Today · 4.125%
HK$132,031
baseline
▲ 0.50% · 4.625%
HK$138,990
+HK$6,959/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$264,062/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,768
−HK$9,078/mo
▼ 0.25% · 3.875%
HK$149,271
−HK$4,575/mo
Today · 4.125%
HK$153,846
baseline
▲ 0.50% · 4.625%
HK$163,207
+HK$9,361/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$307,692/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,053
−HK$8,701/mo
▼ 0.25% · 3.875%
HK$165,372
−HK$4,382/mo
Today · 4.125%
HK$169,754
baseline
▲ 0.50% · 4.625%
HK$178,702
+HK$8,948/mo
Deposit HK$3.53M · loan HK$31.74M · min. income ≈ HK$339,508/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,010 · Scale 2, in force from 26 Feb 2026)