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$79,959
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,447
−HK$2,527/mo
Today · 4.125%
HK$84,974
baseline
▲ 0.50% · 4.625%
HK$90,144
+HK$5,170/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$169,948/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,490,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,954
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,340
−HK$2,420/mo
Today · 4.125%
HK$93,760
baseline
▲ 0.50% · 4.625%
HK$98,702
+HK$4,942/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$187,520/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,490,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,951
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$98,936
−HK$3,032/mo
Today · 4.125%
HK$101,968
baseline
▲ 0.50% · 4.625%
HK$108,173
+HK$6,205/mo
Deposit HK$14.03M · loan HK$21.04M · min. income ≈ HK$203,936/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,745
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$109,608
−HK$2,904/mo
Today · 4.125%
HK$112,512
baseline
▲ 0.50% · 4.625%
HK$118,443
+HK$5,931/mo
Deposit HK$14.03M · loan HK$21.04M · min. income ≈ HK$225,024/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,943
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$115,425
−HK$3,538/mo
Today · 4.125%
HK$118,963
baseline
▲ 0.50% · 4.625%
HK$126,202
+HK$7,239/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$237,926/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,536
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,876
−HK$3,388/mo
Today · 4.125%
HK$131,264
baseline
▲ 0.50% · 4.625%
HK$138,183
+HK$6,919/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$262,528/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,927
−HK$9,025/mo
▼ 0.25% · 3.875%
HK$148,404
−HK$4,548/mo
Today · 4.125%
HK$152,952
baseline
▲ 0.50% · 4.625%
HK$162,259
+HK$9,307/mo
Deposit HK$3.51M · loan HK$31.56M · min. income ≈ HK$305,904/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,117
−HK$8,651/mo
▼ 0.25% · 3.875%
HK$164,411
−HK$4,357/mo
Today · 4.125%
HK$168,768
baseline
▲ 0.50% · 4.625%
HK$177,664
+HK$8,896/mo
Deposit HK$3.51M · loan HK$31.56M · min. income ≈ HK$337,536/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,304 · Scale 2, in force from 26 Feb 2026)