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$80,135
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,628
−HK$2,532/mo
Today · 4.125%
HK$85,160
baseline
▲ 0.50% · 4.625%
HK$90,342
+HK$5,182/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$170,320/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,493,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,150
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,541
−HK$2,425/mo
Today · 4.125%
HK$93,966
baseline
▲ 0.50% · 4.625%
HK$98,919
+HK$4,953/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$187,932/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,493,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,162
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,153
−HK$3,040/mo
Today · 4.125%
HK$102,193
baseline
▲ 0.50% · 4.625%
HK$108,411
+HK$6,218/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$204,386/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,980
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$109,849
−HK$2,910/mo
Today · 4.125%
HK$112,759
baseline
▲ 0.50% · 4.625%
HK$118,703
+HK$5,944/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$225,518/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,189
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$115,679
−HK$3,546/mo
Today · 4.125%
HK$119,225
baseline
▲ 0.50% · 4.625%
HK$126,479
+HK$7,254/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$238,450/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,810
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$128,157
−HK$3,396/mo
Today · 4.125%
HK$131,553
baseline
▲ 0.50% · 4.625%
HK$138,487
+HK$6,934/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$263,106/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,243
−HK$9,046/mo
▼ 0.25% · 3.875%
HK$148,730
−HK$4,559/mo
Today · 4.125%
HK$153,289
baseline
▲ 0.50% · 4.625%
HK$162,616
+HK$9,327/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$306,578/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,469
−HK$8,670/mo
▼ 0.25% · 3.875%
HK$164,773
−HK$4,366/mo
Today · 4.125%
HK$169,139
baseline
▲ 0.50% · 4.625%
HK$178,055
+HK$8,916/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$338,278/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,581 · Scale 2, in force from 26 Feb 2026)