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$79,163
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,625
−HK$2,502/mo
Today · 4.125%
HK$84,127
baseline
▲ 0.50% · 4.625%
HK$89,246
+HK$5,119/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$168,254/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,068
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,430
−HK$2,396/mo
Today · 4.125%
HK$92,826
baseline
▲ 0.50% · 4.625%
HK$97,719
+HK$4,893/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$185,652/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,996
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$97,951
−HK$3,002/mo
Today · 4.125%
HK$100,953
baseline
▲ 0.50% · 4.625%
HK$107,095
+HK$6,142/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$201,906/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,682
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,516
−HK$2,875/mo
Today · 4.125%
HK$111,391
baseline
▲ 0.50% · 4.625%
HK$117,263
+HK$5,872/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$222,782/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,828
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$114,276
−HK$3,502/mo
Today · 4.125%
HK$117,778
baseline
▲ 0.50% · 4.625%
HK$124,945
+HK$7,167/mo
Deposit HK$10.42M · loan HK$24.30M · min. income ≈ HK$235,556/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,295
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,602
−HK$3,355/mo
Today · 4.125%
HK$129,957
baseline
▲ 0.50% · 4.625%
HK$136,807
+HK$6,850/mo
Deposit HK$10.42M · loan HK$24.30M · min. income ≈ HK$259,914/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,493
−HK$8,936/mo
▼ 0.25% · 3.875%
HK$146,926
−HK$4,503/mo
Today · 4.125%
HK$151,429
baseline
▲ 0.50% · 4.625%
HK$160,643
+HK$9,214/mo
Deposit HK$3.47M · loan HK$31.25M · min. income ≈ HK$302,858/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,523
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$162,774
−HK$4,313/mo
Today · 4.125%
HK$167,087
baseline
▲ 0.50% · 4.625%
HK$175,894
+HK$8,807/mo
Deposit HK$3.47M · loan HK$31.25M · min. income ≈ HK$334,174/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,461 · Scale 2, in force from 26 Feb 2026)