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$80,089
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,580
−HK$2,531/mo
Today · 4.125%
HK$85,111
baseline
▲ 0.50% · 4.625%
HK$90,290
+HK$5,179/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$170,222/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,098
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,488
−HK$2,424/mo
Today · 4.125%
HK$93,912
baseline
▲ 0.50% · 4.625%
HK$98,862
+HK$4,950/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$187,824/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,107
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,096
−HK$3,038/mo
Today · 4.125%
HK$102,134
baseline
▲ 0.50% · 4.625%
HK$108,348
+HK$6,214/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$204,268/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,918
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,786
−HK$2,909/mo
Today · 4.125%
HK$112,695
baseline
▲ 0.50% · 4.625%
HK$118,635
+HK$5,940/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$225,390/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,125
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$115,613
−HK$3,543/mo
Today · 4.125%
HK$119,156
baseline
▲ 0.50% · 4.625%
HK$126,406
+HK$7,250/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$238,312/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,738
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$128,083
−HK$3,394/mo
Today · 4.125%
HK$131,477
baseline
▲ 0.50% · 4.625%
HK$138,407
+HK$6,930/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$262,954/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,160
−HK$9,041/mo
▼ 0.25% · 3.875%
HK$148,645
−HK$4,556/mo
Today · 4.125%
HK$153,201
baseline
▲ 0.50% · 4.625%
HK$162,523
+HK$9,322/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$306,402/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,492,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,377
−HK$8,665/mo
▼ 0.25% · 3.875%
HK$164,678
−HK$4,364/mo
Today · 4.125%
HK$169,042
baseline
▲ 0.50% · 4.625%
HK$177,952
+HK$8,910/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$338,084/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,492,723 · Scale 2, in force from 26 Feb 2026)