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$79,606
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,082
−HK$2,516/mo
Today · 4.125%
HK$84,598
baseline
▲ 0.50% · 4.625%
HK$89,746
+HK$5,148/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$169,196/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,483,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,561
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,936
−HK$2,410/mo
Today · 4.125%
HK$93,346
baseline
▲ 0.50% · 4.625%
HK$98,266
+HK$4,920/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$186,692/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,483,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,527
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$98,499
−HK$3,019/mo
Today · 4.125%
HK$101,518
baseline
▲ 0.50% · 4.625%
HK$107,695
+HK$6,177/mo
Deposit HK$13.96M · loan HK$20.95M · min. income ≈ HK$203,036/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,483,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,273
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$109,123
−HK$2,892/mo
Today · 4.125%
HK$112,015
baseline
▲ 0.50% · 4.625%
HK$117,919
+HK$5,904/mo
Deposit HK$13.96M · loan HK$20.95M · min. income ≈ HK$224,030/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,483,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,448
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$114,915
−HK$3,522/mo
Today · 4.125%
HK$118,437
baseline
▲ 0.50% · 4.625%
HK$125,644
+HK$7,207/mo
Deposit HK$10.47M · loan HK$24.44M · min. income ≈ HK$236,874/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,483,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,985
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,310
−HK$3,374/mo
Today · 4.125%
HK$130,684
baseline
▲ 0.50% · 4.625%
HK$137,572
+HK$6,888/mo
Deposit HK$10.47M · loan HK$24.44M · min. income ≈ HK$261,368/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,483,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,291
−HK$8,985/mo
▼ 0.25% · 3.875%
HK$147,748
−HK$4,528/mo
Today · 4.125%
HK$152,276
baseline
▲ 0.50% · 4.625%
HK$161,542
+HK$9,266/mo
Deposit HK$3.49M · loan HK$31.42M · min. income ≈ HK$304,552/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,410
−HK$8,612/mo
▼ 0.25% · 3.875%
HK$163,685
−HK$4,337/mo
Today · 4.125%
HK$168,022
baseline
▲ 0.50% · 4.625%
HK$176,879
+HK$8,857/mo
Deposit HK$3.49M · loan HK$31.42M · min. income ≈ HK$336,044/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,717 · Scale 2, in force from 26 Feb 2026)