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$79,010
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,468
−HK$2,497/mo
Today · 4.125%
HK$83,965
baseline
▲ 0.50% · 4.625%
HK$89,074
+HK$5,109/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$167,930/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,898
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,255
−HK$2,392/mo
Today · 4.125%
HK$92,647
baseline
▲ 0.50% · 4.625%
HK$97,531
+HK$4,884/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$185,294/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,812
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,761
−HK$2,997/mo
Today · 4.125%
HK$100,758
baseline
▲ 0.50% · 4.625%
HK$106,889
+HK$6,131/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$201,516/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,478
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,307
−HK$2,869/mo
Today · 4.125%
HK$111,176
baseline
▲ 0.50% · 4.625%
HK$117,037
+HK$5,861/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$222,352/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,614
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,055
−HK$3,496/mo
Today · 4.125%
HK$117,551
baseline
▲ 0.50% · 4.625%
HK$124,704
+HK$7,153/mo
Deposit HK$10.39M · loan HK$24.25M · min. income ≈ HK$235,102/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,057
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$126,358
−HK$3,348/mo
Today · 4.125%
HK$129,706
baseline
▲ 0.50% · 4.625%
HK$136,543
+HK$6,837/mo
Deposit HK$10.39M · loan HK$24.25M · min. income ≈ HK$259,412/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,218
−HK$8,919/mo
▼ 0.25% · 3.875%
HK$146,642
−HK$4,495/mo
Today · 4.125%
HK$151,137
baseline
▲ 0.50% · 4.625%
HK$160,333
+HK$9,196/mo
Deposit HK$3.46M · loan HK$31.18M · min. income ≈ HK$302,274/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,217
−HK$8,548/mo
▼ 0.25% · 3.875%
HK$162,460
−HK$4,305/mo
Today · 4.125%
HK$166,765
baseline
▲ 0.50% · 4.625%
HK$175,555
+HK$8,790/mo
Deposit HK$3.46M · loan HK$31.18M · min. income ≈ HK$333,530/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,614 · Scale 2, in force from 26 Feb 2026)