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$79,984
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,472
−HK$2,528/mo
Today · 4.125%
HK$85,000
baseline
▲ 0.50% · 4.625%
HK$90,172
+HK$5,172/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$170,000/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,982
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,368
−HK$2,421/mo
Today · 4.125%
HK$93,789
baseline
▲ 0.50% · 4.625%
HK$98,733
+HK$4,944/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$187,578/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,490,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,981
−HK$6,019/mo
▼ 0.25% · 3.875%
HK$98,967
−HK$3,033/mo
Today · 4.125%
HK$102,000
baseline
▲ 0.50% · 4.625%
HK$108,207
+HK$6,207/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$204,000/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,778
−HK$5,769/mo
▼ 0.25% · 3.875%
HK$109,642
−HK$2,905/mo
Today · 4.125%
HK$112,547
baseline
▲ 0.50% · 4.625%
HK$118,480
+HK$5,933/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$225,094/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,490,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,978
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$115,461
−HK$3,539/mo
Today · 4.125%
HK$119,000
baseline
▲ 0.50% · 4.625%
HK$126,241
+HK$7,241/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$238,000/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,575
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$127,916
−HK$3,389/mo
Today · 4.125%
HK$131,305
baseline
▲ 0.50% · 4.625%
HK$138,226
+HK$6,921/mo
Deposit HK$10.52M · loan HK$24.55M · min. income ≈ HK$262,610/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,490,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,972
−HK$9,028/mo
▼ 0.25% · 3.875%
HK$148,450
−HK$4,550/mo
Today · 4.125%
HK$153,000
baseline
▲ 0.50% · 4.625%
HK$162,310
+HK$9,310/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$306,000/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,167
−HK$8,654/mo
▼ 0.25% · 3.875%
HK$164,463
−HK$4,358/mo
Today · 4.125%
HK$168,821
baseline
▲ 0.50% · 4.625%
HK$177,720
+HK$8,899/mo
Deposit HK$3.51M · loan HK$31.57M · min. income ≈ HK$337,642/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,490,771 · Scale 2, in force from 26 Feb 2026)