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$79,998
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,486
−HK$2,528/mo
Today · 4.125%
HK$85,014
baseline
▲ 0.50% · 4.625%
HK$90,187
+HK$5,173/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$170,028/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,491,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,997
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,383
−HK$2,422/mo
Today · 4.125%
HK$93,805
baseline
▲ 0.50% · 4.625%
HK$98,749
+HK$4,944/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$187,610/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,491,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,997
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$98,983
−HK$3,034/mo
Today · 4.125%
HK$102,017
baseline
▲ 0.50% · 4.625%
HK$108,224
+HK$6,207/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$204,034/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,491,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,796
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$109,660
−HK$2,906/mo
Today · 4.125%
HK$112,566
baseline
▲ 0.50% · 4.625%
HK$118,499
+HK$5,933/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$225,132/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,491,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,997
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$115,480
−HK$3,540/mo
Today · 4.125%
HK$119,020
baseline
▲ 0.50% · 4.625%
HK$126,262
+HK$7,242/mo
Deposit HK$10.52M · loan HK$24.56M · min. income ≈ HK$238,040/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,595
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$127,937
−HK$3,390/mo
Today · 4.125%
HK$131,327
baseline
▲ 0.50% · 4.625%
HK$138,249
+HK$6,922/mo
Deposit HK$10.52M · loan HK$24.56M · min. income ≈ HK$262,654/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,996
−HK$9,029/mo
▼ 0.25% · 3.875%
HK$148,475
−HK$4,550/mo
Today · 4.125%
HK$153,025
baseline
▲ 0.50% · 4.625%
HK$162,337
+HK$9,312/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$306,050/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,194
−HK$8,655/mo
▼ 0.25% · 3.875%
HK$164,490
−HK$4,359/mo
Today · 4.125%
HK$168,849
baseline
▲ 0.50% · 4.625%
HK$177,749
+HK$8,900/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$337,698/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,016 · Scale 2, in force from 26 Feb 2026)