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$79,674
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,153
−HK$2,518/mo
Today · 4.125%
HK$84,671
baseline
▲ 0.50% · 4.625%
HK$89,823
+HK$5,152/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$169,342/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,484,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,637
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,014
−HK$2,412/mo
Today · 4.125%
HK$93,426
baseline
▲ 0.50% · 4.625%
HK$98,350
+HK$4,924/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$186,852/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,484,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,609
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,583
−HK$3,022/mo
Today · 4.125%
HK$101,605
baseline
▲ 0.50% · 4.625%
HK$107,787
+HK$6,182/mo
Deposit HK$13.98M · loan HK$20.96M · min. income ≈ HK$203,210/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,364
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,217
−HK$2,894/mo
Today · 4.125%
HK$112,111
baseline
▲ 0.50% · 4.625%
HK$118,020
+HK$5,909/mo
Deposit HK$13.98M · loan HK$20.96M · min. income ≈ HK$224,222/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,544
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,014
−HK$3,525/mo
Today · 4.125%
HK$118,539
baseline
▲ 0.50% · 4.625%
HK$125,752
+HK$7,213/mo
Deposit HK$10.48M · loan HK$24.46M · min. income ≈ HK$237,078/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,484,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,092
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,420
−HK$3,376/mo
Today · 4.125%
HK$130,796
baseline
▲ 0.50% · 4.625%
HK$137,690
+HK$6,894/mo
Deposit HK$10.48M · loan HK$24.46M · min. income ≈ HK$261,592/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,484,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,414
−HK$8,993/mo
▼ 0.25% · 3.875%
HK$147,875
−HK$4,532/mo
Today · 4.125%
HK$152,407
baseline
▲ 0.50% · 4.625%
HK$161,681
+HK$9,274/mo
Deposit HK$3.49M · loan HK$31.45M · min. income ≈ HK$304,814/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,547
−HK$8,619/mo
▼ 0.25% · 3.875%
HK$163,825
−HK$4,341/mo
Today · 4.125%
HK$168,166
baseline
▲ 0.50% · 4.625%
HK$177,031
+HK$8,865/mo
Deposit HK$3.49M · loan HK$31.45M · min. income ≈ HK$336,332/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,992 · Scale 2, in force from 26 Feb 2026)