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$80,041
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,531
−HK$2,530/mo
Today · 4.125%
HK$85,061
baseline
▲ 0.50% · 4.625%
HK$90,236
+HK$5,175/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$170,122/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,045
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,433
−HK$2,423/mo
Today · 4.125%
HK$93,856
baseline
▲ 0.50% · 4.625%
HK$98,803
+HK$4,947/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$187,712/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,050
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,037
−HK$3,036/mo
Today · 4.125%
HK$102,073
baseline
▲ 0.50% · 4.625%
HK$108,284
+HK$6,211/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$204,146/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,854
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,720
−HK$2,907/mo
Today · 4.125%
HK$112,627
baseline
▲ 0.50% · 4.625%
HK$118,564
+HK$5,937/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$225,254/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,058
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,544
−HK$3,541/mo
Today · 4.125%
HK$119,085
baseline
▲ 0.50% · 4.625%
HK$126,331
+HK$7,246/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$238,170/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,663
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,007
−HK$3,392/mo
Today · 4.125%
HK$131,399
baseline
▲ 0.50% · 4.625%
HK$138,325
+HK$6,926/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$262,798/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,075
−HK$9,034/mo
▼ 0.25% · 3.875%
HK$148,556
−HK$4,553/mo
Today · 4.125%
HK$153,109
baseline
▲ 0.50% · 4.625%
HK$162,426
+HK$9,317/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$306,218/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,282
−HK$8,659/mo
▼ 0.25% · 3.875%
HK$164,580
−HK$4,361/mo
Today · 4.125%
HK$168,941
baseline
▲ 0.50% · 4.625%
HK$177,846
+HK$8,905/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$337,882/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,833 · Scale 2, in force from 26 Feb 2026)