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$79,100
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,561
−HK$2,499/mo
Today · 4.125%
HK$84,060
baseline
▲ 0.50% · 4.625%
HK$89,175
+HK$5,115/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$168,120/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,998
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,358
−HK$2,394/mo
Today · 4.125%
HK$92,752
baseline
▲ 0.50% · 4.625%
HK$97,642
+HK$4,890/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$185,504/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,920
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,873
−HK$3,000/mo
Today · 4.125%
HK$100,873
baseline
▲ 0.50% · 4.625%
HK$107,010
+HK$6,137/mo
Deposit HK$13.88M · loan HK$20.81M · min. income ≈ HK$201,746/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,598
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$108,430
−HK$2,873/mo
Today · 4.125%
HK$111,303
baseline
▲ 0.50% · 4.625%
HK$117,170
+HK$5,867/mo
Deposit HK$13.88M · loan HK$20.81M · min. income ≈ HK$222,606/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,740
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$114,185
−HK$3,500/mo
Today · 4.125%
HK$117,685
baseline
▲ 0.50% · 4.625%
HK$124,845
+HK$7,160/mo
Deposit HK$10.41M · loan HK$24.28M · min. income ≈ HK$235,370/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,197
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$126,502
−HK$3,351/mo
Today · 4.125%
HK$129,853
baseline
▲ 0.50% · 4.625%
HK$136,698
+HK$6,845/mo
Deposit HK$10.41M · loan HK$24.28M · min. income ≈ HK$259,706/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,380
−HK$8,929/mo
▼ 0.25% · 3.875%
HK$146,809
−HK$4,500/mo
Today · 4.125%
HK$151,309
baseline
▲ 0.50% · 4.625%
HK$160,516
+HK$9,207/mo
Deposit HK$3.47M · loan HK$31.22M · min. income ≈ HK$302,618/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,397
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$162,645
−HK$4,309/mo
Today · 4.125%
HK$166,954
baseline
▲ 0.50% · 4.625%
HK$175,755
+HK$8,801/mo
Deposit HK$3.47M · loan HK$31.22M · min. income ≈ HK$333,908/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,290 · Scale 2, in force from 26 Feb 2026)