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$79,589
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,064
−HK$2,516/mo
Today · 4.125%
HK$84,580
baseline
▲ 0.50% · 4.625%
HK$89,726
+HK$5,146/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$169,160/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,483,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,542
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,916
−HK$2,409/mo
Today · 4.125%
HK$93,325
baseline
▲ 0.50% · 4.625%
HK$98,245
+HK$4,920/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$186,650/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,483,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,507
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,477
−HK$3,019/mo
Today · 4.125%
HK$101,496
baseline
▲ 0.50% · 4.625%
HK$107,671
+HK$6,175/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$202,992/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,483,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,250
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,100
−HK$2,890/mo
Today · 4.125%
HK$111,990
baseline
▲ 0.50% · 4.625%
HK$117,894
+HK$5,904/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$223,980/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,483,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,424
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,890
−HK$3,522/mo
Today · 4.125%
HK$118,412
baseline
▲ 0.50% · 4.625%
HK$125,617
+HK$7,205/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$236,824/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,483,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,958
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,283
−HK$3,372/mo
Today · 4.125%
HK$130,655
baseline
▲ 0.50% · 4.625%
HK$137,543
+HK$6,888/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$261,310/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,483,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,260
−HK$8,983/mo
▼ 0.25% · 3.875%
HK$147,716
−HK$4,527/mo
Today · 4.125%
HK$152,243
baseline
▲ 0.50% · 4.625%
HK$161,507
+HK$9,264/mo
Deposit HK$3.49M · loan HK$31.41M · min. income ≈ HK$304,486/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,375
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$163,649
−HK$4,337/mo
Today · 4.125%
HK$167,986
baseline
▲ 0.50% · 4.625%
HK$176,840
+HK$8,854/mo
Deposit HK$3.49M · loan HK$31.41M · min. income ≈ HK$335,972/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,396 · Scale 2, in force from 26 Feb 2026)