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$80,030
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,519
−HK$2,530/mo
Today · 4.125%
HK$85,049
baseline
▲ 0.50% · 4.625%
HK$90,224
+HK$5,175/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$170,098/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,033
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,420
−HK$2,423/mo
Today · 4.125%
HK$93,843
baseline
▲ 0.50% · 4.625%
HK$98,789
+HK$4,946/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$187,686/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,036
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,023
−HK$3,035/mo
Today · 4.125%
HK$102,058
baseline
▲ 0.50% · 4.625%
HK$108,268
+HK$6,210/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$204,116/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,839
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,704
−HK$2,907/mo
Today · 4.125%
HK$112,611
baseline
▲ 0.50% · 4.625%
HK$118,547
+HK$5,936/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$225,222/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,042
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$115,527
−HK$3,541/mo
Today · 4.125%
HK$119,068
baseline
▲ 0.50% · 4.625%
HK$126,313
+HK$7,245/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$238,136/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,646
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$127,988
−HK$3,392/mo
Today · 4.125%
HK$131,380
baseline
▲ 0.50% · 4.625%
HK$138,305
+HK$6,925/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$262,760/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,054
−HK$9,033/mo
▼ 0.25% · 3.875%
HK$148,535
−HK$4,552/mo
Today · 4.125%
HK$153,087
baseline
▲ 0.50% · 4.625%
HK$162,402
+HK$9,315/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$306,174/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,259
−HK$8,658/mo
▼ 0.25% · 3.875%
HK$164,557
−HK$4,360/mo
Today · 4.125%
HK$168,917
baseline
▲ 0.50% · 4.625%
HK$177,821
+HK$8,904/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$337,834/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,619 · Scale 2, in force from 26 Feb 2026)