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$79,649
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,127
−HK$2,517/mo
Today · 4.125%
HK$84,644
baseline
▲ 0.50% · 4.625%
HK$89,795
+HK$5,151/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$169,288/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,484,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,609
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,986
−HK$2,411/mo
Today · 4.125%
HK$93,397
baseline
▲ 0.50% · 4.625%
HK$98,320
+HK$4,923/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$186,794/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,484,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,579
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,552
−HK$3,021/mo
Today · 4.125%
HK$101,573
baseline
▲ 0.50% · 4.625%
HK$107,754
+HK$6,181/mo
Deposit HK$13.97M · loan HK$20.96M · min. income ≈ HK$203,146/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,331
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$109,183
−HK$2,893/mo
Today · 4.125%
HK$112,076
baseline
▲ 0.50% · 4.625%
HK$117,984
+HK$5,908/mo
Deposit HK$13.97M · loan HK$20.96M · min. income ≈ HK$224,152/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,509
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,978
−HK$3,524/mo
Today · 4.125%
HK$118,502
baseline
▲ 0.50% · 4.625%
HK$125,712
+HK$7,210/mo
Deposit HK$10.48M · loan HK$24.45M · min. income ≈ HK$237,004/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,053
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$127,380
−HK$3,375/mo
Today · 4.125%
HK$130,755
baseline
▲ 0.50% · 4.625%
HK$137,647
+HK$6,892/mo
Deposit HK$10.48M · loan HK$24.45M · min. income ≈ HK$261,510/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,369
−HK$8,991/mo
▼ 0.25% · 3.875%
HK$147,829
−HK$4,531/mo
Today · 4.125%
HK$152,360
baseline
▲ 0.50% · 4.625%
HK$161,630
+HK$9,270/mo
Deposit HK$3.49M · loan HK$31.44M · min. income ≈ HK$304,720/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,497
−HK$8,617/mo
▼ 0.25% · 3.875%
HK$163,774
−HK$4,340/mo
Today · 4.125%
HK$168,114
baseline
▲ 0.50% · 4.625%
HK$176,975
+HK$8,861/mo
Deposit HK$3.49M · loan HK$31.44M · min. income ≈ HK$336,228/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,528 · Scale 2, in force from 26 Feb 2026)