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$79,678
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,157
−HK$2,518/mo
Today · 4.125%
HK$84,675
baseline
▲ 0.50% · 4.625%
HK$89,827
+HK$5,152/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$169,350/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,641
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,019
−HK$2,411/mo
Today · 4.125%
HK$93,430
baseline
▲ 0.50% · 4.625%
HK$98,355
+HK$4,925/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$186,860/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,614
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,588
−HK$3,022/mo
Today · 4.125%
HK$101,610
baseline
▲ 0.50% · 4.625%
HK$107,793
+HK$6,183/mo
Deposit HK$13.98M · loan HK$20.97M · min. income ≈ HK$203,220/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,370
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,223
−HK$2,894/mo
Today · 4.125%
HK$112,117
baseline
▲ 0.50% · 4.625%
HK$118,026
+HK$5,909/mo
Deposit HK$13.98M · loan HK$20.97M · min. income ≈ HK$224,234/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,550
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,020
−HK$3,525/mo
Today · 4.125%
HK$118,545
baseline
▲ 0.50% · 4.625%
HK$125,758
+HK$7,213/mo
Deposit HK$10.48M · loan HK$24.46M · min. income ≈ HK$237,090/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,098
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,426
−HK$3,377/mo
Today · 4.125%
HK$130,803
baseline
▲ 0.50% · 4.625%
HK$137,697
+HK$6,894/mo
Deposit HK$10.48M · loan HK$24.46M · min. income ≈ HK$261,606/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,421
−HK$8,994/mo
▼ 0.25% · 3.875%
HK$147,882
−HK$4,533/mo
Today · 4.125%
HK$152,415
baseline
▲ 0.50% · 4.625%
HK$161,689
+HK$9,274/mo
Deposit HK$3.49M · loan HK$31.45M · min. income ≈ HK$304,830/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,555
−HK$8,620/mo
▼ 0.25% · 3.875%
HK$163,834
−HK$4,341/mo
Today · 4.125%
HK$168,175
baseline
▲ 0.50% · 4.625%
HK$177,040
+HK$8,865/mo
Deposit HK$3.49M · loan HK$31.45M · min. income ≈ HK$336,350/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,067 · Scale 2, in force from 26 Feb 2026)