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$79,091
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,551
−HK$2,499/mo
Today · 4.125%
HK$84,050
baseline
▲ 0.50% · 4.625%
HK$89,164
+HK$5,114/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$168,100/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,987
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,347
−HK$2,394/mo
Today · 4.125%
HK$92,741
baseline
▲ 0.50% · 4.625%
HK$97,630
+HK$4,889/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$185,482/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,909
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,861
−HK$2,999/mo
Today · 4.125%
HK$100,860
baseline
▲ 0.50% · 4.625%
HK$106,997
+HK$6,137/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$201,720/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,585
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,417
−HK$2,872/mo
Today · 4.125%
HK$111,289
baseline
▲ 0.50% · 4.625%
HK$117,156
+HK$5,867/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$222,578/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,727
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,171
−HK$3,499/mo
Today · 4.125%
HK$117,670
baseline
▲ 0.50% · 4.625%
HK$124,830
+HK$7,160/mo
Deposit HK$10.41M · loan HK$24.28M · min. income ≈ HK$235,340/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,182
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$126,486
−HK$3,352/mo
Today · 4.125%
HK$129,838
baseline
▲ 0.50% · 4.625%
HK$136,682
+HK$6,844/mo
Deposit HK$10.41M · loan HK$24.28M · min. income ≈ HK$259,676/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,363
−HK$8,927/mo
▼ 0.25% · 3.875%
HK$146,791
−HK$4,499/mo
Today · 4.125%
HK$151,290
baseline
▲ 0.50% · 4.625%
HK$160,496
+HK$9,206/mo
Deposit HK$3.47M · loan HK$31.22M · min. income ≈ HK$302,580/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,377
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$162,625
−HK$4,309/mo
Today · 4.125%
HK$166,934
baseline
▲ 0.50% · 4.625%
HK$175,733
+HK$8,799/mo
Deposit HK$3.47M · loan HK$31.22M · min. income ≈ HK$333,868/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,110 · Scale 2, in force from 26 Feb 2026)