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$79,183
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,647
−HK$2,502/mo
Today · 4.125%
HK$84,149
baseline
▲ 0.50% · 4.625%
HK$89,269
+HK$5,120/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$168,298/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,475,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,091
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,453
−HK$2,397/mo
Today · 4.125%
HK$92,850
baseline
▲ 0.50% · 4.625%
HK$97,744
+HK$4,894/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$185,700/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,475,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,020
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,976
−HK$3,003/mo
Today · 4.125%
HK$100,979
baseline
▲ 0.50% · 4.625%
HK$107,123
+HK$6,144/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$201,958/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,475,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,709
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$108,544
−HK$2,876/mo
Today · 4.125%
HK$111,420
baseline
▲ 0.50% · 4.625%
HK$117,293
+HK$5,873/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$222,840/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,475,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,857
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$114,305
−HK$3,504/mo
Today · 4.125%
HK$117,809
baseline
▲ 0.50% · 4.625%
HK$124,977
+HK$7,168/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$235,618/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,327
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$126,635
−HK$3,355/mo
Today · 4.125%
HK$129,990
baseline
▲ 0.50% · 4.625%
HK$136,842
+HK$6,852/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$259,980/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,530
−HK$8,938/mo
▼ 0.25% · 3.875%
HK$146,964
−HK$4,504/mo
Today · 4.125%
HK$151,468
baseline
▲ 0.50% · 4.625%
HK$160,685
+HK$9,217/mo
Deposit HK$3.47M · loan HK$31.25M · min. income ≈ HK$302,936/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,564
−HK$8,566/mo
▼ 0.25% · 3.875%
HK$162,816
−HK$4,314/mo
Today · 4.125%
HK$167,130
baseline
▲ 0.50% · 4.625%
HK$175,940
+HK$8,810/mo
Deposit HK$3.47M · loan HK$31.25M · min. income ≈ HK$334,260/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,843 · Scale 2, in force from 26 Feb 2026)