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$79,932
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,418
−HK$2,526/mo
Today · 4.125%
HK$84,944
baseline
▲ 0.50% · 4.625%
HK$90,113
+HK$5,169/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$169,888/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,489,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,923
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,308
−HK$2,419/mo
Today · 4.125%
HK$93,727
baseline
▲ 0.50% · 4.625%
HK$98,668
+HK$4,941/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$187,454/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,489,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,918
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,902
−HK$3,031/mo
Today · 4.125%
HK$101,933
baseline
▲ 0.50% · 4.625%
HK$108,135
+HK$6,202/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$203,866/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,708
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,570
−HK$2,903/mo
Today · 4.125%
HK$112,473
baseline
▲ 0.50% · 4.625%
HK$118,402
+HK$5,929/mo
Deposit HK$14.02M · loan HK$21.03M · min. income ≈ HK$224,946/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,489,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,904
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,385
−HK$3,537/mo
Today · 4.125%
HK$118,922
baseline
▲ 0.50% · 4.625%
HK$126,158
+HK$7,236/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$237,844/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,489,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,492
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,831
−HK$3,387/mo
Today · 4.125%
HK$131,218
baseline
▲ 0.50% · 4.625%
HK$138,135
+HK$6,917/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$262,436/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,489,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,877
−HK$9,022/mo
▼ 0.25% · 3.875%
HK$148,352
−HK$4,547/mo
Today · 4.125%
HK$152,899
baseline
▲ 0.50% · 4.625%
HK$162,203
+HK$9,304/mo
Deposit HK$3.51M · loan HK$31.55M · min. income ≈ HK$305,798/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,489,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,062
−HK$8,647/mo
▼ 0.25% · 3.875%
HK$164,355
−HK$4,354/mo
Today · 4.125%
HK$168,709
baseline
▲ 0.50% · 4.625%
HK$177,602
+HK$8,893/mo
Deposit HK$3.51M · loan HK$31.55M · min. income ≈ HK$337,418/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,489,788 · Scale 2, in force from 26 Feb 2026)