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$79,514
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$81,988
−HK$2,513/mo
Today · 4.125%
HK$84,501
baseline
▲ 0.50% · 4.625%
HK$89,642
+HK$5,141/mo
Deposit HK$17.44M · loan HK$17.44M · min. income ≈ HK$169,002/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,482,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,459
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,831
−HK$2,407/mo
Today · 4.125%
HK$93,238
baseline
▲ 0.50% · 4.625%
HK$98,153
+HK$4,915/mo
Deposit HK$17.44M · loan HK$17.44M · min. income ≈ HK$186,476/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,482,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,417
−HK$5,984/mo
▼ 0.25% · 3.875%
HK$98,385
−HK$3,016/mo
Today · 4.125%
HK$101,401
baseline
▲ 0.50% · 4.625%
HK$107,571
+HK$6,170/mo
Deposit HK$13.95M · loan HK$20.92M · min. income ≈ HK$202,802/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,482,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,151
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$108,997
−HK$2,889/mo
Today · 4.125%
HK$111,886
baseline
▲ 0.50% · 4.625%
HK$117,783
+HK$5,897/mo
Deposit HK$13.95M · loan HK$20.92M · min. income ≈ HK$223,772/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,482,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,320
−HK$6,981/mo
▼ 0.25% · 3.875%
HK$114,783
−HK$3,518/mo
Today · 4.125%
HK$118,301
baseline
▲ 0.50% · 4.625%
HK$125,499
+HK$7,198/mo
Deposit HK$10.46M · loan HK$24.41M · min. income ≈ HK$236,602/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,482,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,842
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,164
−HK$3,369/mo
Today · 4.125%
HK$130,533
baseline
▲ 0.50% · 4.625%
HK$137,414
+HK$6,881/mo
Deposit HK$10.46M · loan HK$24.41M · min. income ≈ HK$261,066/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,482,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,126
−HK$8,975/mo
▼ 0.25% · 3.875%
HK$147,578
−HK$4,523/mo
Today · 4.125%
HK$152,101
baseline
▲ 0.50% · 4.625%
HK$161,356
+HK$9,255/mo
Deposit HK$3.49M · loan HK$31.38M · min. income ≈ HK$304,202/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,226
−HK$8,602/mo
▼ 0.25% · 3.875%
HK$163,496
−HK$4,332/mo
Today · 4.125%
HK$167,828
baseline
▲ 0.50% · 4.625%
HK$176,675
+HK$8,847/mo
Deposit HK$3.49M · loan HK$31.38M · min. income ≈ HK$335,656/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,008 · Scale 2, in force from 26 Feb 2026)