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$80,006
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,494
−HK$2,529/mo
Today · 4.125%
HK$85,023
baseline
▲ 0.50% · 4.625%
HK$90,196
+HK$5,173/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$170,046/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,006
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,393
−HK$2,421/mo
Today · 4.125%
HK$93,814
baseline
▲ 0.50% · 4.625%
HK$98,759
+HK$4,945/mo
Deposit HK$17.54M · loan HK$17.54M · min. income ≈ HK$187,628/mo (50% DSR)
Upfront cash ≈ HK$19.03M (deposit + AVD stamp duty HK$1,491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,007
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$98,993
−HK$3,034/mo
Today · 4.125%
HK$102,027
baseline
▲ 0.50% · 4.625%
HK$108,236
+HK$6,209/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$204,054/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,807
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$109,671
−HK$2,906/mo
Today · 4.125%
HK$112,577
baseline
▲ 0.50% · 4.625%
HK$118,511
+HK$5,934/mo
Deposit HK$14.03M · loan HK$21.05M · min. income ≈ HK$225,154/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,008
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$115,492
−HK$3,540/mo
Today · 4.125%
HK$119,032
baseline
▲ 0.50% · 4.625%
HK$126,275
+HK$7,243/mo
Deposit HK$10.53M · loan HK$24.56M · min. income ≈ HK$238,064/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,608
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$127,950
−HK$3,390/mo
Today · 4.125%
HK$131,340
baseline
▲ 0.50% · 4.625%
HK$138,263
+HK$6,923/mo
Deposit HK$10.53M · loan HK$24.56M · min. income ≈ HK$262,680/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,010
−HK$9,031/mo
▼ 0.25% · 3.875%
HK$148,490
−HK$4,551/mo
Today · 4.125%
HK$153,041
baseline
▲ 0.50% · 4.625%
HK$162,353
+HK$9,312/mo
Deposit HK$3.51M · loan HK$31.58M · min. income ≈ HK$306,082/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$160,210
−HK$8,656/mo
▼ 0.25% · 3.875%
HK$164,507
−HK$4,359/mo
Today · 4.125%
HK$168,866
baseline
▲ 0.50% · 4.625%
HK$177,767
+HK$8,901/mo
Deposit HK$3.51M · loan HK$31.58M · min. income ≈ HK$337,732/mo (50% DSR)
Upfront cash ≈ HK$5.00M (deposit + AVD stamp duty HK$1,491,169 · Scale 2, in force from 26 Feb 2026)