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$80,330
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,829
−HK$2,539/mo
Today · 4.125%
HK$85,368
baseline
▲ 0.50% · 4.625%
HK$90,562
+HK$5,194/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$170,736/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,497,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,367
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,764
−HK$2,431/mo
Today · 4.125%
HK$94,195
baseline
▲ 0.50% · 4.625%
HK$99,160
+HK$4,965/mo
Deposit HK$17.61M · loan HK$17.61M · min. income ≈ HK$188,390/mo (50% DSR)
Upfront cash ≈ HK$19.11M (deposit + AVD stamp duty HK$1,497,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,396
−HK$6,045/mo
▼ 0.25% · 3.875%
HK$99,395
−HK$3,046/mo
Today · 4.125%
HK$102,441
baseline
▲ 0.50% · 4.625%
HK$108,675
+HK$6,234/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$204,882/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,240
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$110,116
−HK$2,918/mo
Today · 4.125%
HK$113,034
baseline
▲ 0.50% · 4.625%
HK$118,992
+HK$5,958/mo
Deposit HK$14.09M · loan HK$21.14M · min. income ≈ HK$226,068/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,497,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,463
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,961
−HK$3,554/mo
Today · 4.125%
HK$119,515
baseline
▲ 0.50% · 4.625%
HK$126,787
+HK$7,272/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$239,030/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,113
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,469
−HK$3,404/mo
Today · 4.125%
HK$131,873
baseline
▲ 0.50% · 4.625%
HK$138,824
+HK$6,951/mo
Deposit HK$10.57M · loan HK$24.66M · min. income ≈ HK$263,746/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,497,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,595
−HK$9,067/mo
▼ 0.25% · 3.875%
HK$149,092
−HK$4,570/mo
Today · 4.125%
HK$153,662
baseline
▲ 0.50% · 4.625%
HK$163,012
+HK$9,350/mo
Deposit HK$3.52M · loan HK$31.71M · min. income ≈ HK$307,324/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,860
−HK$8,691/mo
▼ 0.25% · 3.875%
HK$165,174
−HK$4,377/mo
Today · 4.125%
HK$169,551
baseline
▲ 0.50% · 4.625%
HK$178,488
+HK$8,937/mo
Deposit HK$3.52M · loan HK$31.71M · min. income ≈ HK$339,102/mo (50% DSR)
Upfront cash ≈ HK$5.02M (deposit + AVD stamp duty HK$1,497,219 · Scale 2, in force from 26 Feb 2026)