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$79,216
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,680
−HK$2,504/mo
Today · 4.125%
HK$84,184
baseline
▲ 0.50% · 4.625%
HK$89,306
+HK$5,122/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$168,368/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,127
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,491
−HK$2,398/mo
Today · 4.125%
HK$92,889
baseline
▲ 0.50% · 4.625%
HK$97,785
+HK$4,896/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$185,778/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,060
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$98,017
−HK$3,004/mo
Today · 4.125%
HK$101,021
baseline
▲ 0.50% · 4.625%
HK$107,168
+HK$6,147/mo
Deposit HK$13.90M · loan HK$20.84M · min. income ≈ HK$202,042/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,753
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$108,589
−HK$2,877/mo
Today · 4.125%
HK$111,466
baseline
▲ 0.50% · 4.625%
HK$117,342
+HK$5,876/mo
Deposit HK$13.90M · loan HK$20.84M · min. income ≈ HK$222,932/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,903
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,353
−HK$3,505/mo
Today · 4.125%
HK$117,858
baseline
▲ 0.50% · 4.625%
HK$125,029
+HK$7,171/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$235,716/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,378
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,687
−HK$3,357/mo
Today · 4.125%
HK$130,044
baseline
▲ 0.50% · 4.625%
HK$136,899
+HK$6,855/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$260,088/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,590
−HK$8,941/mo
▼ 0.25% · 3.875%
HK$147,025
−HK$4,506/mo
Today · 4.125%
HK$151,531
baseline
▲ 0.50% · 4.625%
HK$160,751
+HK$9,220/mo
Deposit HK$3.47M · loan HK$31.27M · min. income ≈ HK$303,062/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,629
−HK$8,571/mo
▼ 0.25% · 3.875%
HK$162,884
−HK$4,316/mo
Today · 4.125%
HK$167,200
baseline
▲ 0.50% · 4.625%
HK$176,013
+HK$8,813/mo
Deposit HK$3.47M · loan HK$31.27M · min. income ≈ HK$334,400/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,456 · Scale 2, in force from 26 Feb 2026)