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$79,279
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,745
−HK$2,505/mo
Today · 4.125%
HK$84,250
baseline
▲ 0.50% · 4.625%
HK$89,377
+HK$5,127/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$168,500/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,197
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,562
−HK$2,400/mo
Today · 4.125%
HK$92,962
baseline
▲ 0.50% · 4.625%
HK$97,862
+HK$4,900/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$185,924/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,135
−HK$5,965/mo
▼ 0.25% · 3.875%
HK$98,094
−HK$3,006/mo
Today · 4.125%
HK$101,100
baseline
▲ 0.50% · 4.625%
HK$107,252
+HK$6,152/mo
Deposit HK$13.91M · loan HK$20.86M · min. income ≈ HK$202,200/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,836
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,675
−HK$2,879/mo
Today · 4.125%
HK$111,554
baseline
▲ 0.50% · 4.625%
HK$117,435
+HK$5,881/mo
Deposit HK$13.91M · loan HK$20.86M · min. income ≈ HK$223,108/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,990
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,443
−HK$3,508/mo
Today · 4.125%
HK$117,951
baseline
▲ 0.50% · 4.625%
HK$125,128
+HK$7,177/mo
Deposit HK$10.43M · loan HK$24.34M · min. income ≈ HK$235,902/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,476
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,787
−HK$3,360/mo
Today · 4.125%
HK$130,147
baseline
▲ 0.50% · 4.625%
HK$137,007
+HK$6,860/mo
Deposit HK$10.43M · loan HK$24.34M · min. income ≈ HK$260,294/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,702
−HK$8,949/mo
▼ 0.25% · 3.875%
HK$147,141
−HK$4,510/mo
Today · 4.125%
HK$151,651
baseline
▲ 0.50% · 4.625%
HK$160,878
+HK$9,227/mo
Deposit HK$3.48M · loan HK$31.29M · min. income ≈ HK$303,302/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,755
−HK$8,577/mo
▼ 0.25% · 3.875%
HK$163,012
−HK$4,320/mo
Today · 4.125%
HK$167,332
baseline
▲ 0.50% · 4.625%
HK$176,152
+HK$8,820/mo
Deposit HK$3.48M · loan HK$31.29M · min. income ≈ HK$334,664/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,620 · Scale 2, in force from 26 Feb 2026)