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$79,322
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,790
−HK$2,507/mo
Today · 4.125%
HK$84,297
baseline
▲ 0.50% · 4.625%
HK$89,426
+HK$5,129/mo
Deposit HK$17.39M · loan HK$17.39M · min. income ≈ HK$168,594/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,478,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,245
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,612
−HK$2,401/mo
Today · 4.125%
HK$93,013
baseline
▲ 0.50% · 4.625%
HK$97,916
+HK$4,903/mo
Deposit HK$17.39M · loan HK$17.39M · min. income ≈ HK$186,026/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,478,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,187
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$98,148
−HK$3,008/mo
Today · 4.125%
HK$101,156
baseline
▲ 0.50% · 4.625%
HK$107,311
+HK$6,155/mo
Deposit HK$13.91M · loan HK$20.87M · min. income ≈ HK$202,312/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,478,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,894
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$108,734
−HK$2,882/mo
Today · 4.125%
HK$111,616
baseline
▲ 0.50% · 4.625%
HK$117,499
+HK$5,883/mo
Deposit HK$13.91M · loan HK$20.87M · min. income ≈ HK$223,232/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,478,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,051
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,506
−HK$3,509/mo
Today · 4.125%
HK$118,015
baseline
▲ 0.50% · 4.625%
HK$125,196
+HK$7,181/mo
Deposit HK$10.44M · loan HK$24.35M · min. income ≈ HK$236,030/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,478,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,544
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,857
−HK$3,361/mo
Today · 4.125%
HK$130,218
baseline
▲ 0.50% · 4.625%
HK$137,082
+HK$6,864/mo
Deposit HK$10.44M · loan HK$24.35M · min. income ≈ HK$260,436/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,478,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,780
−HK$8,954/mo
▼ 0.25% · 3.875%
HK$147,222
−HK$4,512/mo
Today · 4.125%
HK$151,734
baseline
▲ 0.50% · 4.625%
HK$160,967
+HK$9,233/mo
Deposit HK$3.48M · loan HK$31.31M · min. income ≈ HK$303,468/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,478,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,842
−HK$8,581/mo
▼ 0.25% · 3.875%
HK$163,102
−HK$4,321/mo
Today · 4.125%
HK$167,423
baseline
▲ 0.50% · 4.625%
HK$176,249
+HK$8,826/mo
Deposit HK$3.48M · loan HK$31.31M · min. income ≈ HK$334,846/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,478,431 · Scale 2, in force from 26 Feb 2026)