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$79,248
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,713
−HK$2,504/mo
Today · 4.125%
HK$84,217
baseline
▲ 0.50% · 4.625%
HK$89,342
+HK$5,125/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$168,434/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,477,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,162
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,527
−HK$2,398/mo
Today · 4.125%
HK$92,925
baseline
▲ 0.50% · 4.625%
HK$97,824
+HK$4,899/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$185,850/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,477,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,097
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,055
−HK$3,006/mo
Today · 4.125%
HK$101,061
baseline
▲ 0.50% · 4.625%
HK$107,210
+HK$6,149/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$202,122/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,795
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,632
−HK$2,878/mo
Today · 4.125%
HK$111,510
baseline
▲ 0.50% · 4.625%
HK$117,388
+HK$5,878/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$223,020/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,947
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$114,398
−HK$3,506/mo
Today · 4.125%
HK$117,904
baseline
▲ 0.50% · 4.625%
HK$125,078
+HK$7,174/mo
Deposit HK$10.43M · loan HK$24.33M · min. income ≈ HK$235,808/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,477,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,427
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$126,737
−HK$3,358/mo
Today · 4.125%
HK$130,095
baseline
▲ 0.50% · 4.625%
HK$136,953
+HK$6,858/mo
Deposit HK$10.43M · loan HK$24.33M · min. income ≈ HK$260,190/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,477,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,646
−HK$8,945/mo
▼ 0.25% · 3.875%
HK$147,083
−HK$4,508/mo
Today · 4.125%
HK$151,591
baseline
▲ 0.50% · 4.625%
HK$160,815
+HK$9,224/mo
Deposit HK$3.48M · loan HK$31.28M · min. income ≈ HK$303,182/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,692
−HK$8,574/mo
▼ 0.25% · 3.875%
HK$162,948
−HK$4,318/mo
Today · 4.125%
HK$167,266
baseline
▲ 0.50% · 4.625%
HK$176,082
+HK$8,816/mo
Deposit HK$3.48M · loan HK$31.28M · min. income ≈ HK$334,532/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,038 · Scale 2, in force from 26 Feb 2026)