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$80,130
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,622
−HK$2,533/mo
Today · 4.125%
HK$85,155
baseline
▲ 0.50% · 4.625%
HK$90,336
+HK$5,181/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$170,310/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,144
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,534
−HK$2,426/mo
Today · 4.125%
HK$93,960
baseline
▲ 0.50% · 4.625%
HK$98,913
+HK$4,953/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$187,920/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,493,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,156
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,147
−HK$3,039/mo
Today · 4.125%
HK$102,186
baseline
▲ 0.50% · 4.625%
HK$108,403
+HK$6,217/mo
Deposit HK$14.06M · loan HK$21.08M · min. income ≈ HK$204,372/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,972
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,841
−HK$2,911/mo
Today · 4.125%
HK$112,752
baseline
▲ 0.50% · 4.625%
HK$118,695
+HK$5,943/mo
Deposit HK$14.06M · loan HK$21.08M · min. income ≈ HK$225,504/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,182
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$115,671
−HK$3,546/mo
Today · 4.125%
HK$119,217
baseline
▲ 0.50% · 4.625%
HK$126,471
+HK$7,254/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$238,434/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,801
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$128,148
−HK$3,396/mo
Today · 4.125%
HK$131,544
baseline
▲ 0.50% · 4.625%
HK$138,478
+HK$6,934/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$263,088/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,234
−HK$9,044/mo
▼ 0.25% · 3.875%
HK$148,720
−HK$4,558/mo
Today · 4.125%
HK$153,278
baseline
▲ 0.50% · 4.625%
HK$162,605
+HK$9,327/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$306,556/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,459
−HK$8,669/mo
▼ 0.25% · 3.875%
HK$164,762
−HK$4,366/mo
Today · 4.125%
HK$169,128
baseline
▲ 0.50% · 4.625%
HK$178,043
+HK$8,915/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$338,256/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,481 · Scale 2, in force from 26 Feb 2026)