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$79,018
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,476
−HK$2,497/mo
Today · 4.125%
HK$83,973
baseline
▲ 0.50% · 4.625%
HK$89,083
+HK$5,110/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$167,946/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,907
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,264
−HK$2,392/mo
Today · 4.125%
HK$92,656
baseline
▲ 0.50% · 4.625%
HK$97,540
+HK$4,884/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$185,312/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,822
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,771
−HK$2,997/mo
Today · 4.125%
HK$100,768
baseline
▲ 0.50% · 4.625%
HK$106,899
+HK$6,131/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$201,536/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,488
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,317
−HK$2,870/mo
Today · 4.125%
HK$111,187
baseline
▲ 0.50% · 4.625%
HK$117,048
+HK$5,861/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$222,374/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,625
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,066
−HK$3,496/mo
Today · 4.125%
HK$117,562
baseline
▲ 0.50% · 4.625%
HK$124,716
+HK$7,154/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$235,124/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,069
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$126,370
−HK$3,349/mo
Today · 4.125%
HK$129,719
baseline
▲ 0.50% · 4.625%
HK$136,556
+HK$6,837/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$259,438/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,232
−HK$8,920/mo
▼ 0.25% · 3.875%
HK$146,657
−HK$4,495/mo
Today · 4.125%
HK$151,152
baseline
▲ 0.50% · 4.625%
HK$160,349
+HK$9,197/mo
Deposit HK$3.47M · loan HK$31.19M · min. income ≈ HK$302,304/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,232
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$162,476
−HK$4,305/mo
Today · 4.125%
HK$166,781
baseline
▲ 0.50% · 4.625%
HK$175,572
+HK$8,791/mo
Deposit HK$3.47M · loan HK$31.19M · min. income ≈ HK$333,562/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,759 · Scale 2, in force from 26 Feb 2026)