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$79,077
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,537
−HK$2,499/mo
Today · 4.125%
HK$84,036
baseline
▲ 0.50% · 4.625%
HK$89,149
+HK$5,113/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$168,072/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,972
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,332
−HK$2,393/mo
Today · 4.125%
HK$92,725
baseline
▲ 0.50% · 4.625%
HK$97,613
+HK$4,888/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$185,450/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,892
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,844
−HK$2,999/mo
Today · 4.125%
HK$100,843
baseline
▲ 0.50% · 4.625%
HK$106,979
+HK$6,136/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$201,686/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,473,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,567
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$108,398
−HK$2,872/mo
Today · 4.125%
HK$111,270
baseline
▲ 0.50% · 4.625%
HK$117,135
+HK$5,865/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$222,540/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,473,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,708
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$114,151
−HK$3,499/mo
Today · 4.125%
HK$117,650
baseline
▲ 0.50% · 4.625%
HK$124,809
+HK$7,159/mo
Deposit HK$10.40M · loan HK$24.28M · min. income ≈ HK$235,300/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,473,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,161
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$126,464
−HK$3,351/mo
Today · 4.125%
HK$129,815
baseline
▲ 0.50% · 4.625%
HK$136,658
+HK$6,843/mo
Deposit HK$10.40M · loan HK$24.28M · min. income ≈ HK$259,630/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,473,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,338
−HK$8,926/mo
▼ 0.25% · 3.875%
HK$146,766
−HK$4,498/mo
Today · 4.125%
HK$151,264
baseline
▲ 0.50% · 4.625%
HK$160,468
+HK$9,204/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$302,528/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,350
−HK$8,555/mo
▼ 0.25% · 3.875%
HK$162,597
−HK$4,308/mo
Today · 4.125%
HK$166,905
baseline
▲ 0.50% · 4.625%
HK$175,703
+HK$8,798/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$333,810/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,854 · Scale 2, in force from 26 Feb 2026)