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$80,044
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,534
−HK$2,529/mo
Today · 4.125%
HK$85,063
baseline
▲ 0.50% · 4.625%
HK$90,239
+HK$5,176/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$170,126/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,048
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,436
−HK$2,423/mo
Today · 4.125%
HK$93,859
baseline
▲ 0.50% · 4.625%
HK$98,806
+HK$4,947/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$187,718/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,052
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,040
−HK$3,036/mo
Today · 4.125%
HK$102,076
baseline
▲ 0.50% · 4.625%
HK$108,287
+HK$6,211/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$204,152/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,857
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$109,723
−HK$2,908/mo
Today · 4.125%
HK$112,631
baseline
▲ 0.50% · 4.625%
HK$118,567
+HK$5,936/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$225,262/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,061
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,547
−HK$3,541/mo
Today · 4.125%
HK$119,088
baseline
▲ 0.50% · 4.625%
HK$126,335
+HK$7,247/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$238,176/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,667
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$128,010
−HK$3,392/mo
Today · 4.125%
HK$131,402
baseline
▲ 0.50% · 4.625%
HK$138,329
+HK$6,927/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$262,804/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,079
−HK$9,035/mo
▼ 0.25% · 3.875%
HK$148,560
−HK$4,554/mo
Today · 4.125%
HK$153,114
baseline
▲ 0.50% · 4.625%
HK$162,430
+HK$9,316/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$306,228/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,286
−HK$8,660/mo
▼ 0.25% · 3.875%
HK$164,585
−HK$4,361/mo
Today · 4.125%
HK$168,946
baseline
▲ 0.50% · 4.625%
HK$177,851
+HK$8,905/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$337,892/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,876 · Scale 2, in force from 26 Feb 2026)