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$79,454
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,925
−HK$2,511/mo
Today · 4.125%
HK$84,436
baseline
▲ 0.50% · 4.625%
HK$89,574
+HK$5,138/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$168,872/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,392
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,762
−HK$2,405/mo
Today · 4.125%
HK$93,167
baseline
▲ 0.50% · 4.625%
HK$98,078
+HK$4,911/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$186,334/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,345
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$98,310
−HK$3,013/mo
Today · 4.125%
HK$101,323
baseline
▲ 0.50% · 4.625%
HK$107,489
+HK$6,166/mo
Deposit HK$13.94M · loan HK$20.91M · min. income ≈ HK$202,646/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,480,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,070
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$108,915
−HK$2,885/mo
Today · 4.125%
HK$111,800
baseline
▲ 0.50% · 4.625%
HK$117,694
+HK$5,894/mo
Deposit HK$13.94M · loan HK$20.91M · min. income ≈ HK$223,600/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,480,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,235
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$114,695
−HK$3,516/mo
Today · 4.125%
HK$118,211
baseline
▲ 0.50% · 4.625%
HK$125,404
+HK$7,193/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$236,422/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,748
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$127,067
−HK$3,367/mo
Today · 4.125%
HK$130,434
baseline
▲ 0.50% · 4.625%
HK$137,309
+HK$6,875/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$260,868/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,017
−HK$8,968/mo
▼ 0.25% · 3.875%
HK$147,465
−HK$4,520/mo
Today · 4.125%
HK$151,985
baseline
▲ 0.50% · 4.625%
HK$161,233
+HK$9,248/mo
Deposit HK$3.48M · loan HK$31.36M · min. income ≈ HK$303,970/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,480,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,105
−HK$8,596/mo
▼ 0.25% · 3.875%
HK$163,372
−HK$4,329/mo
Today · 4.125%
HK$167,701
baseline
▲ 0.50% · 4.625%
HK$176,540
+HK$8,839/mo
Deposit HK$3.48M · loan HK$31.36M · min. income ≈ HK$335,402/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,480,880 · Scale 2, in force from 26 Feb 2026)