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$79,200
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,664
−HK$2,503/mo
Today · 4.125%
HK$84,167
baseline
▲ 0.50% · 4.625%
HK$89,288
+HK$5,121/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$168,334/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,476,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,109
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,472
−HK$2,397/mo
Today · 4.125%
HK$92,869
baseline
▲ 0.50% · 4.625%
HK$97,765
+HK$4,896/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$185,738/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,476,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,040
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$97,996
−HK$3,004/mo
Today · 4.125%
HK$101,000
baseline
▲ 0.50% · 4.625%
HK$107,145
+HK$6,145/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$202,000/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,731
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,567
−HK$2,876/mo
Today · 4.125%
HK$111,443
baseline
▲ 0.50% · 4.625%
HK$117,318
+HK$5,875/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$222,886/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,880
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$114,329
−HK$3,504/mo
Today · 4.125%
HK$117,833
baseline
▲ 0.50% · 4.625%
HK$125,003
+HK$7,170/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$235,666/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,353
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,661
−HK$3,356/mo
Today · 4.125%
HK$130,017
baseline
▲ 0.50% · 4.625%
HK$136,871
+HK$6,854/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$260,034/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,560
−HK$8,940/mo
▼ 0.25% · 3.875%
HK$146,994
−HK$4,506/mo
Today · 4.125%
HK$151,500
baseline
▲ 0.50% · 4.625%
HK$160,718
+HK$9,218/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$303,000/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,597
−HK$8,568/mo
▼ 0.25% · 3.875%
HK$162,850
−HK$4,315/mo
Today · 4.125%
HK$167,165
baseline
▲ 0.50% · 4.625%
HK$175,977
+HK$8,812/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$334,330/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,151 · Scale 2, in force from 26 Feb 2026)