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$80,207
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,702
−HK$2,535/mo
Today · 4.125%
HK$85,237
baseline
▲ 0.50% · 4.625%
HK$90,423
+HK$5,186/mo
Deposit HK$17.59M · loan HK$17.59M · min. income ≈ HK$170,474/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,229
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,622
−HK$2,428/mo
Today · 4.125%
HK$94,050
baseline
▲ 0.50% · 4.625%
HK$99,008
+HK$4,958/mo
Deposit HK$17.59M · loan HK$17.59M · min. income ≈ HK$188,100/mo (50% DSR)
Upfront cash ≈ HK$19.08M (deposit + AVD stamp duty HK$1,494,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,248
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$99,242
−HK$3,042/mo
Today · 4.125%
HK$102,284
baseline
▲ 0.50% · 4.625%
HK$108,508
+HK$6,224/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$204,568/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,075
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$109,947
−HK$2,913/mo
Today · 4.125%
HK$112,860
baseline
▲ 0.50% · 4.625%
HK$118,809
+HK$5,949/mo
Deposit HK$14.07M · loan HK$21.10M · min. income ≈ HK$225,720/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,494,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,290
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,782
−HK$3,549/mo
Today · 4.125%
HK$119,331
baseline
▲ 0.50% · 4.625%
HK$126,592
+HK$7,261/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$238,662/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,494,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,921
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,271
−HK$3,399/mo
Today · 4.125%
HK$131,670
baseline
▲ 0.50% · 4.625%
HK$138,611
+HK$6,941/mo
Deposit HK$10.55M · loan HK$24.62M · min. income ≈ HK$263,340/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,494,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,372
−HK$9,054/mo
▼ 0.25% · 3.875%
HK$148,863
−HK$4,563/mo
Today · 4.125%
HK$153,426
baseline
▲ 0.50% · 4.625%
HK$162,761
+HK$9,335/mo
Deposit HK$3.52M · loan HK$31.66M · min. income ≈ HK$306,852/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,613
−HK$8,677/mo
▼ 0.25% · 3.875%
HK$164,920
−HK$4,370/mo
Today · 4.125%
HK$169,290
baseline
▲ 0.50% · 4.625%
HK$178,214
+HK$8,924/mo
Deposit HK$3.52M · loan HK$31.66M · min. income ≈ HK$338,580/mo (50% DSR)
Upfront cash ≈ HK$5.01M (deposit + AVD stamp duty HK$1,494,917 · Scale 2, in force from 26 Feb 2026)