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$80,070
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,561
−HK$2,530/mo
Today · 4.125%
HK$85,091
baseline
▲ 0.50% · 4.625%
HK$90,269
+HK$5,178/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$170,182/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,077
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,466
−HK$2,424/mo
Today · 4.125%
HK$93,890
baseline
▲ 0.50% · 4.625%
HK$98,839
+HK$4,949/mo
Deposit HK$17.56M · loan HK$17.56M · min. income ≈ HK$187,780/mo (50% DSR)
Upfront cash ≈ HK$19.05M (deposit + AVD stamp duty HK$1,492,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,084
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,073
−HK$3,036/mo
Today · 4.125%
HK$102,109
baseline
▲ 0.50% · 4.625%
HK$108,322
+HK$6,213/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$204,218/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,892
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,759
−HK$2,908/mo
Today · 4.125%
HK$112,667
baseline
▲ 0.50% · 4.625%
HK$118,606
+HK$5,939/mo
Deposit HK$14.05M · loan HK$21.07M · min. income ≈ HK$225,334/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,492,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,098
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$115,585
−HK$3,542/mo
Today · 4.125%
HK$119,127
baseline
▲ 0.50% · 4.625%
HK$126,376
+HK$7,249/mo
Deposit HK$10.53M · loan HK$24.58M · min. income ≈ HK$238,254/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,708
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$128,052
−HK$3,393/mo
Today · 4.125%
HK$131,445
baseline
▲ 0.50% · 4.625%
HK$138,374
+HK$6,929/mo
Deposit HK$10.53M · loan HK$24.58M · min. income ≈ HK$262,890/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,492,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,126
−HK$9,038/mo
▼ 0.25% · 3.875%
HK$148,609
−HK$4,555/mo
Today · 4.125%
HK$153,164
baseline
▲ 0.50% · 4.625%
HK$162,483
+HK$9,319/mo
Deposit HK$3.51M · loan HK$31.60M · min. income ≈ HK$306,328/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,492,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,339
−HK$8,662/mo
▼ 0.25% · 3.875%
HK$164,639
−HK$4,362/mo
Today · 4.125%
HK$169,001
baseline
▲ 0.50% · 4.625%
HK$177,909
+HK$8,908/mo
Deposit HK$3.51M · loan HK$31.60M · min. income ≈ HK$338,002/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,492,364 · Scale 2, in force from 26 Feb 2026)