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$79,645
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,122
−HK$2,517/mo
Today · 4.125%
HK$84,639
baseline
▲ 0.50% · 4.625%
HK$89,789
+HK$5,150/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$169,278/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,484,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,604
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,980
−HK$2,411/mo
Today · 4.125%
HK$93,391
baseline
▲ 0.50% · 4.625%
HK$98,314
+HK$4,923/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$186,782/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,484,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,574
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,547
−HK$3,020/mo
Today · 4.125%
HK$101,567
baseline
▲ 0.50% · 4.625%
HK$107,747
+HK$6,180/mo
Deposit HK$13.97M · loan HK$20.96M · min. income ≈ HK$203,134/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,325
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$109,176
−HK$2,893/mo
Today · 4.125%
HK$112,069
baseline
▲ 0.50% · 4.625%
HK$117,977
+HK$5,908/mo
Deposit HK$13.97M · loan HK$20.96M · min. income ≈ HK$224,138/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,503
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,971
−HK$3,524/mo
Today · 4.125%
HK$118,495
baseline
▲ 0.50% · 4.625%
HK$125,705
+HK$7,210/mo
Deposit HK$10.48M · loan HK$24.45M · min. income ≈ HK$236,990/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,046
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$127,372
−HK$3,375/mo
Today · 4.125%
HK$130,747
baseline
▲ 0.50% · 4.625%
HK$137,639
+HK$6,892/mo
Deposit HK$10.48M · loan HK$24.45M · min. income ≈ HK$261,494/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,361
−HK$8,990/mo
▼ 0.25% · 3.875%
HK$147,820
−HK$4,531/mo
Today · 4.125%
HK$152,351
baseline
▲ 0.50% · 4.625%
HK$161,621
+HK$9,270/mo
Deposit HK$3.49M · loan HK$31.44M · min. income ≈ HK$304,702/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,487
−HK$8,617/mo
▼ 0.25% · 3.875%
HK$163,765
−HK$4,339/mo
Today · 4.125%
HK$168,104
baseline
▲ 0.50% · 4.625%
HK$176,965
+HK$8,861/mo
Deposit HK$3.49M · loan HK$31.44M · min. income ≈ HK$336,208/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,440 · Scale 2, in force from 26 Feb 2026)