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$80,099
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,591
−HK$2,531/mo
Today · 4.125%
HK$85,122
baseline
▲ 0.50% · 4.625%
HK$90,301
+HK$5,179/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$170,244/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,492,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,109
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,499
−HK$2,425/mo
Today · 4.125%
HK$93,924
baseline
▲ 0.50% · 4.625%
HK$98,875
+HK$4,951/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$187,848/mo (50% DSR)
Upfront cash ≈ HK$19.06M (deposit + AVD stamp duty HK$1,492,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,119
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,109
−HK$3,037/mo
Today · 4.125%
HK$102,146
baseline
▲ 0.50% · 4.625%
HK$108,362
+HK$6,216/mo
Deposit HK$14.05M · loan HK$21.08M · min. income ≈ HK$204,292/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,931
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,799
−HK$2,909/mo
Today · 4.125%
HK$112,708
baseline
▲ 0.50% · 4.625%
HK$118,649
+HK$5,941/mo
Deposit HK$14.05M · loan HK$21.08M · min. income ≈ HK$225,416/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,139
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,627
−HK$3,544/mo
Today · 4.125%
HK$119,171
baseline
▲ 0.50% · 4.625%
HK$126,422
+HK$7,251/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$238,342/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,753
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$128,099
−HK$3,394/mo
Today · 4.125%
HK$131,493
baseline
▲ 0.50% · 4.625%
HK$138,424
+HK$6,931/mo
Deposit HK$10.54M · loan HK$24.59M · min. income ≈ HK$262,986/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,178
−HK$9,042/mo
▼ 0.25% · 3.875%
HK$148,663
−HK$4,557/mo
Today · 4.125%
HK$153,220
baseline
▲ 0.50% · 4.625%
HK$162,543
+HK$9,323/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$306,440/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,492,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,397
−HK$8,666/mo
▼ 0.25% · 3.875%
HK$164,699
−HK$4,364/mo
Today · 4.125%
HK$169,063
baseline
▲ 0.50% · 4.625%
HK$177,974
+HK$8,911/mo
Deposit HK$3.51M · loan HK$31.61M · min. income ≈ HK$338,126/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,492,908 · Scale 2, in force from 26 Feb 2026)