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$79,730
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,210
−HK$2,519/mo
Today · 4.125%
HK$84,729
baseline
▲ 0.50% · 4.625%
HK$89,885
+HK$5,156/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$169,458/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,486,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,698
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,077
−HK$2,414/mo
Today · 4.125%
HK$93,491
baseline
▲ 0.50% · 4.625%
HK$98,419
+HK$4,928/mo
Deposit HK$17.48M · loan HK$17.48M · min. income ≈ HK$186,982/mo (50% DSR)
Upfront cash ≈ HK$18.97M (deposit + AVD stamp duty HK$1,486,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,676
−HK$5,999/mo
▼ 0.25% · 3.875%
HK$98,652
−HK$3,023/mo
Today · 4.125%
HK$101,675
baseline
▲ 0.50% · 4.625%
HK$107,862
+HK$6,187/mo
Deposit HK$13.99M · loan HK$20.98M · min. income ≈ HK$203,350/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,486,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,438
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$109,293
−HK$2,896/mo
Today · 4.125%
HK$112,189
baseline
▲ 0.50% · 4.625%
HK$118,102
+HK$5,913/mo
Deposit HK$13.99M · loan HK$20.98M · min. income ≈ HK$224,378/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,486,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,622
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,094
−HK$3,527/mo
Today · 4.125%
HK$118,621
baseline
▲ 0.50% · 4.625%
HK$125,839
+HK$7,218/mo
Deposit HK$10.49M · loan HK$24.48M · min. income ≈ HK$237,242/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,178
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$127,508
−HK$3,379/mo
Today · 4.125%
HK$130,887
baseline
▲ 0.50% · 4.625%
HK$137,786
+HK$6,899/mo
Deposit HK$10.49M · loan HK$24.48M · min. income ≈ HK$261,774/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,486,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,513
−HK$9,000/mo
▼ 0.25% · 3.875%
HK$147,978
−HK$4,535/mo
Today · 4.125%
HK$152,513
baseline
▲ 0.50% · 4.625%
HK$161,793
+HK$9,280/mo
Deposit HK$3.50M · loan HK$31.47M · min. income ≈ HK$305,026/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,657
−HK$8,626/mo
▼ 0.25% · 3.875%
HK$163,939
−HK$4,344/mo
Today · 4.125%
HK$168,283
baseline
▲ 0.50% · 4.625%
HK$177,153
+HK$8,870/mo
Deposit HK$3.50M · loan HK$31.47M · min. income ≈ HK$336,566/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,486,022 · Scale 2, in force from 26 Feb 2026)