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$80,186
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,680
−HK$2,534/mo
Today · 4.125%
HK$85,214
baseline
▲ 0.50% · 4.625%
HK$90,399
+HK$5,185/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$170,428/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,206
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,598
−HK$2,427/mo
Today · 4.125%
HK$94,025
baseline
▲ 0.50% · 4.625%
HK$98,981
+HK$4,956/mo
Deposit HK$17.58M · loan HK$17.58M · min. income ≈ HK$188,050/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,223
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$99,216
−HK$3,041/mo
Today · 4.125%
HK$102,257
baseline
▲ 0.50% · 4.625%
HK$108,479
+HK$6,222/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$204,514/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,047
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$109,918
−HK$2,912/mo
Today · 4.125%
HK$112,830
baseline
▲ 0.50% · 4.625%
HK$118,778
+HK$5,948/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$225,660/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,260
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$115,752
−HK$3,548/mo
Today · 4.125%
HK$119,300
baseline
▲ 0.50% · 4.625%
HK$126,559
+HK$7,259/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$238,600/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,888
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$128,237
−HK$3,398/mo
Today · 4.125%
HK$131,635
baseline
▲ 0.50% · 4.625%
HK$138,574
+HK$6,939/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$263,270/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,334
−HK$9,051/mo
▼ 0.25% · 3.875%
HK$148,824
−HK$4,561/mo
Today · 4.125%
HK$153,385
baseline
▲ 0.50% · 4.625%
HK$162,718
+HK$9,333/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$306,770/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,570
−HK$8,675/mo
▼ 0.25% · 3.875%
HK$164,877
−HK$4,368/mo
Today · 4.125%
HK$169,245
baseline
▲ 0.50% · 4.625%
HK$178,166
+HK$8,921/mo
Deposit HK$3.52M · loan HK$31.65M · min. income ≈ HK$338,490/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,520 · Scale 2, in force from 26 Feb 2026)