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$79,901
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,386
−HK$2,526/mo
Today · 4.125%
HK$84,912
baseline
▲ 0.50% · 4.625%
HK$90,078
+HK$5,166/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$169,824/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,489,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,889
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,273
−HK$2,419/mo
Today · 4.125%
HK$93,692
baseline
▲ 0.50% · 4.625%
HK$98,630
+HK$4,938/mo
Deposit HK$17.52M · loan HK$17.52M · min. income ≈ HK$187,384/mo (50% DSR)
Upfront cash ≈ HK$19.01M (deposit + AVD stamp duty HK$1,489,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,881
−HK$6,013/mo
▼ 0.25% · 3.875%
HK$98,864
−HK$3,030/mo
Today · 4.125%
HK$101,894
baseline
▲ 0.50% · 4.625%
HK$108,094
+HK$6,200/mo
Deposit HK$14.02M · loan HK$21.02M · min. income ≈ HK$203,788/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,667
−HK$5,763/mo
▼ 0.25% · 3.875%
HK$109,528
−HK$2,902/mo
Today · 4.125%
HK$112,430
baseline
▲ 0.50% · 4.625%
HK$118,356
+HK$5,926/mo
Deposit HK$14.02M · loan HK$21.02M · min. income ≈ HK$224,860/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,861
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$115,341
−HK$3,535/mo
Today · 4.125%
HK$118,876
baseline
▲ 0.50% · 4.625%
HK$126,110
+HK$7,234/mo
Deposit HK$10.51M · loan HK$24.53M · min. income ≈ HK$237,752/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,445
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$127,782
−HK$3,386/mo
Today · 4.125%
HK$131,168
baseline
▲ 0.50% · 4.625%
HK$138,082
+HK$6,914/mo
Deposit HK$10.51M · loan HK$24.53M · min. income ≈ HK$262,336/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,489,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,822
−HK$9,019/mo
▼ 0.25% · 3.875%
HK$148,296
−HK$4,545/mo
Today · 4.125%
HK$152,841
baseline
▲ 0.50% · 4.625%
HK$162,141
+HK$9,300/mo
Deposit HK$3.50M · loan HK$31.54M · min. income ≈ HK$305,682/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,000
−HK$8,645/mo
▼ 0.25% · 3.875%
HK$164,292
−HK$4,353/mo
Today · 4.125%
HK$168,645
baseline
▲ 0.50% · 4.625%
HK$177,534
+HK$8,889/mo
Deposit HK$3.50M · loan HK$31.54M · min. income ≈ HK$337,290/mo (50% DSR)
Upfront cash ≈ HK$4.99M (deposit + AVD stamp duty HK$1,489,217 · Scale 2, in force from 26 Feb 2026)