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$5,018/mo
▼ 0.25% · 3.875%
HK$82,519
−HK$2,529/mo
Today · 4.125%
HK$85,048
baseline
▲ 0.50% · 4.625%
HK$90,223
+HK$5,175/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$170,096/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,032
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,420
−HK$2,422/mo
Today · 4.125%
HK$93,842
baseline
▲ 0.50% · 4.625%
HK$98,789
+HK$4,947/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$187,684/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,035
−HK$6,023/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$1,491,612 · 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$1,491,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,041
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$115,527
−HK$3,540/mo
Today · 4.125%
HK$119,067
baseline
▲ 0.50% · 4.625%
HK$126,312
+HK$7,245/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$238,134/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,645
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$127,988
−HK$3,391/mo
Today · 4.125%
HK$131,379
baseline
▲ 0.50% · 4.625%
HK$138,304
+HK$6,925/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$262,758/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,053
−HK$9,034/mo
▼ 0.25% · 3.875%
HK$148,534
−HK$4,553/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$1,491,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,258
−HK$8,658/mo
▼ 0.25% · 3.875%
HK$164,556
−HK$4,360/mo
Today · 4.125%
HK$168,916
baseline
▲ 0.50% · 4.625%
HK$177,820
+HK$8,904/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$337,832/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,612 · Scale 2, in force from 26 Feb 2026)