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$79,198
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,662
−HK$2,503/mo
Today · 4.125%
HK$84,165
baseline
▲ 0.50% · 4.625%
HK$89,286
+HK$5,121/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$168,330/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,476,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,107
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,470
−HK$2,397/mo
Today · 4.125%
HK$92,867
baseline
▲ 0.50% · 4.625%
HK$97,762
+HK$4,895/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$185,734/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,476,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,038
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,994
−HK$3,003/mo
Today · 4.125%
HK$100,997
baseline
▲ 0.50% · 4.625%
HK$107,143
+HK$6,146/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$201,994/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,729
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,564
−HK$2,877/mo
Today · 4.125%
HK$111,441
baseline
▲ 0.50% · 4.625%
HK$117,315
+HK$5,874/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$222,882/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,877
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$114,326
−HK$3,504/mo
Today · 4.125%
HK$117,830
baseline
▲ 0.50% · 4.625%
HK$125,000
+HK$7,170/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$235,660/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,350
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,658
−HK$3,356/mo
Today · 4.125%
HK$130,014
baseline
▲ 0.50% · 4.625%
HK$136,867
+HK$6,853/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$260,028/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,557
−HK$8,939/mo
▼ 0.25% · 3.875%
HK$146,991
−HK$4,505/mo
Today · 4.125%
HK$151,496
baseline
▲ 0.50% · 4.625%
HK$160,714
+HK$9,218/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$302,992/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,593
−HK$8,568/mo
▼ 0.25% · 3.875%
HK$162,846
−HK$4,315/mo
Today · 4.125%
HK$167,161
baseline
▲ 0.50% · 4.625%
HK$175,972
+HK$8,811/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$334,322/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,115 · Scale 2, in force from 26 Feb 2026)