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$79,955
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,442
−HK$2,527/mo
Today · 4.125%
HK$84,969
baseline
▲ 0.50% · 4.625%
HK$90,139
+HK$5,170/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$169,938/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,490,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,949
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,334
−HK$2,420/mo
Today · 4.125%
HK$93,754
baseline
▲ 0.50% · 4.625%
HK$98,696
+HK$4,942/mo
Deposit HK$17.53M · loan HK$17.53M · min. income ≈ HK$187,508/mo (50% DSR)
Upfront cash ≈ HK$19.02M (deposit + AVD stamp duty HK$1,490,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,946
−HK$6,016/mo
▼ 0.25% · 3.875%
HK$98,930
−HK$3,032/mo
Today · 4.125%
HK$101,962
baseline
▲ 0.50% · 4.625%
HK$108,166
+HK$6,204/mo
Deposit HK$14.03M · loan HK$21.04M · min. income ≈ HK$203,924/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,738
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$109,601
−HK$2,904/mo
Today · 4.125%
HK$112,505
baseline
▲ 0.50% · 4.625%
HK$118,436
+HK$5,931/mo
Deposit HK$14.03M · loan HK$21.04M · min. income ≈ HK$225,010/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,936
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$115,418
−HK$3,538/mo
Today · 4.125%
HK$118,956
baseline
▲ 0.50% · 4.625%
HK$126,194
+HK$7,238/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$237,912/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,528
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,868
−HK$3,388/mo
Today · 4.125%
HK$131,256
baseline
▲ 0.50% · 4.625%
HK$138,175
+HK$6,919/mo
Deposit HK$10.52M · loan HK$24.54M · min. income ≈ HK$262,512/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,918
−HK$9,025/mo
▼ 0.25% · 3.875%
HK$148,395
−HK$4,548/mo
Today · 4.125%
HK$152,943
baseline
▲ 0.50% · 4.625%
HK$162,250
+HK$9,307/mo
Deposit HK$3.51M · loan HK$31.56M · min. income ≈ HK$305,886/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,108
−HK$8,650/mo
▼ 0.25% · 3.875%
HK$164,402
−HK$4,356/mo
Today · 4.125%
HK$168,758
baseline
▲ 0.50% · 4.625%
HK$177,653
+HK$8,895/mo
Deposit HK$3.51M · loan HK$31.56M · min. income ≈ HK$337,516/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,215 · Scale 2, in force from 26 Feb 2026)