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$80,432
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,934
−HK$2,542/mo
Today · 4.125%
HK$85,476
baseline
▲ 0.50% · 4.625%
HK$90,676
+HK$5,200/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$170,952/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,480
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,879
−HK$2,435/mo
Today · 4.125%
HK$94,314
baseline
▲ 0.50% · 4.625%
HK$99,285
+HK$4,971/mo
Deposit HK$17.64M · loan HK$17.64M · min. income ≈ HK$188,628/mo (50% DSR)
Upfront cash ≈ HK$19.14M (deposit + AVD stamp duty HK$1,499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,518
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,520
−HK$3,051/mo
Today · 4.125%
HK$102,571
baseline
▲ 0.50% · 4.625%
HK$108,812
+HK$6,241/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$205,142/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,375
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,255
−HK$2,922/mo
Today · 4.125%
HK$113,177
baseline
▲ 0.50% · 4.625%
HK$119,142
+HK$5,965/mo
Deposit HK$14.11M · loan HK$21.16M · min. income ≈ HK$226,354/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,604
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,107
−HK$3,559/mo
Today · 4.125%
HK$119,666
baseline
▲ 0.50% · 4.625%
HK$126,947
+HK$7,281/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$239,332/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,271
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,631
−HK$3,408/mo
Today · 4.125%
HK$132,039
baseline
▲ 0.50% · 4.625%
HK$138,999
+HK$6,960/mo
Deposit HK$10.58M · loan HK$24.69M · min. income ≈ HK$264,078/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,777
−HK$9,079/mo
▼ 0.25% · 3.875%
HK$149,281
−HK$4,575/mo
Today · 4.125%
HK$153,856
baseline
▲ 0.50% · 4.625%
HK$163,218
+HK$9,362/mo
Deposit HK$3.53M · loan HK$31.75M · min. income ≈ HK$307,712/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$161,063
−HK$8,702/mo
▼ 0.25% · 3.875%
HK$165,383
−HK$4,382/mo
Today · 4.125%
HK$169,765
baseline
▲ 0.50% · 4.625%
HK$178,713
+HK$8,948/mo
Deposit HK$3.53M · loan HK$31.75M · min. income ≈ HK$339,530/mo (50% DSR)
Upfront cash ≈ HK$5.03M (deposit + AVD stamp duty HK$1,499,108 · Scale 2, in force from 26 Feb 2026)