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$80,141
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,634
−HK$2,532/mo
Today · 4.125%
HK$85,166
baseline
▲ 0.50% · 4.625%
HK$90,348
+HK$5,182/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$170,332/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,156
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,547
−HK$2,426/mo
Today · 4.125%
HK$93,973
baseline
▲ 0.50% · 4.625%
HK$98,926
+HK$4,953/mo
Deposit HK$17.57M · loan HK$17.57M · min. income ≈ HK$187,946/mo (50% DSR)
Upfront cash ≈ HK$19.07M (deposit + AVD stamp duty HK$1,493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,169
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,160
−HK$3,040/mo
Today · 4.125%
HK$102,200
baseline
▲ 0.50% · 4.625%
HK$108,418
+HK$6,218/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$204,400/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,987
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,856
−HK$2,911/mo
Today · 4.125%
HK$112,767
baseline
▲ 0.50% · 4.625%
HK$118,711
+HK$5,944/mo
Deposit HK$14.06M · loan HK$21.09M · min. income ≈ HK$225,534/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,197
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$115,687
−HK$3,546/mo
Today · 4.125%
HK$119,233
baseline
▲ 0.50% · 4.625%
HK$126,488
+HK$7,255/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$238,466/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,818
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,166
−HK$3,396/mo
Today · 4.125%
HK$131,562
baseline
▲ 0.50% · 4.625%
HK$138,496
+HK$6,934/mo
Deposit HK$10.54M · loan HK$24.60M · min. income ≈ HK$263,124/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,253
−HK$9,046/mo
▼ 0.25% · 3.875%
HK$148,741
−HK$4,558/mo
Today · 4.125%
HK$153,299
baseline
▲ 0.50% · 4.625%
HK$162,627
+HK$9,328/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$306,598/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,480
−HK$8,671/mo
▼ 0.25% · 3.875%
HK$164,784
−HK$4,367/mo
Today · 4.125%
HK$169,151
baseline
▲ 0.50% · 4.625%
HK$178,067
+HK$8,916/mo
Deposit HK$3.51M · loan HK$31.63M · min. income ≈ HK$338,302/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,493,685 · Scale 2, in force from 26 Feb 2026)