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$79,982
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,470
−HK$2,528/mo
Today · 4.125%
HK$84,998
baseline
▲ 0.50% · 4.625%
HK$90,170
+HK$5,172/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$169,996/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,979
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,366
−HK$2,421/mo
Today · 4.125%
HK$93,787
baseline
▲ 0.50% · 4.625%
HK$98,730
+HK$4,943/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$187,574/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,979
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,964
−HK$3,033/mo
Today · 4.125%
HK$101,997
baseline
▲ 0.50% · 4.625%
HK$108,204
+HK$6,207/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$203,994/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,775
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,639
−HK$2,905/mo
Today · 4.125%
HK$112,544
baseline
▲ 0.50% · 4.625%
HK$118,476
+HK$5,932/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$225,088/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,975
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$115,458
−HK$3,539/mo
Today · 4.125%
HK$118,997
baseline
▲ 0.50% · 4.625%
HK$126,238
+HK$7,241/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$237,994/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,571
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$127,912
−HK$3,389/mo
Today · 4.125%
HK$131,301
baseline
▲ 0.50% · 4.625%
HK$138,222
+HK$6,921/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$262,602/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,968
−HK$9,028/mo
▼ 0.25% · 3.875%
HK$148,446
−HK$4,550/mo
Today · 4.125%
HK$152,996
baseline
▲ 0.50% · 4.625%
HK$162,305
+HK$9,309/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$305,992/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,163
−HK$8,653/mo
▼ 0.25% · 3.875%
HK$164,458
−HK$4,358/mo
Today · 4.125%
HK$168,816
baseline
▲ 0.50% · 4.625%
HK$177,715
+HK$8,899/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$337,632/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,729 · Scale 2, in force from 26 Feb 2026)