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$80,048
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,538
−HK$2,530/mo
Today · 4.125%
HK$85,068
baseline
▲ 0.50% · 4.625%
HK$90,244
+HK$5,176/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$170,136/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,053
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,441
−HK$2,423/mo
Today · 4.125%
HK$93,864
baseline
▲ 0.50% · 4.625%
HK$98,812
+HK$4,948/mo
Deposit HK$17.55M · loan HK$17.55M · min. income ≈ HK$187,728/mo (50% DSR)
Upfront cash ≈ HK$19.04M (deposit + AVD stamp duty HK$1,491,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,058
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,046
−HK$3,036/mo
Today · 4.125%
HK$102,082
baseline
▲ 0.50% · 4.625%
HK$108,293
+HK$6,211/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$204,164/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,864
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,730
−HK$2,907/mo
Today · 4.125%
HK$112,637
baseline
▲ 0.50% · 4.625%
HK$118,574
+HK$5,937/mo
Deposit HK$14.04M · loan HK$21.06M · min. income ≈ HK$225,274/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,068
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,554
−HK$3,541/mo
Today · 4.125%
HK$119,095
baseline
▲ 0.50% · 4.625%
HK$126,342
+HK$7,247/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$238,190/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,674
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,018
−HK$3,392/mo
Today · 4.125%
HK$131,410
baseline
▲ 0.50% · 4.625%
HK$138,337
+HK$6,927/mo
Deposit HK$10.53M · loan HK$24.57M · min. income ≈ HK$262,820/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,087
−HK$9,036/mo
▼ 0.25% · 3.875%
HK$148,569
−HK$4,554/mo
Today · 4.125%
HK$153,123
baseline
▲ 0.50% · 4.625%
HK$162,440
+HK$9,317/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$306,246/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,295
−HK$8,661/mo
▼ 0.25% · 3.875%
HK$164,594
−HK$4,362/mo
Today · 4.125%
HK$168,956
baseline
▲ 0.50% · 4.625%
HK$177,862
+HK$8,906/mo
Deposit HK$3.51M · loan HK$31.59M · min. income ≈ HK$337,912/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,962 · Scale 2, in force from 26 Feb 2026)