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$79,123
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,584
−HK$2,501/mo
Today · 4.125%
HK$84,085
baseline
▲ 0.50% · 4.625%
HK$89,201
+HK$5,116/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$168,170/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,024
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,385
−HK$2,394/mo
Today · 4.125%
HK$92,779
baseline
▲ 0.50% · 4.625%
HK$97,670
+HK$4,891/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$185,558/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,948
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$97,901
−HK$3,001/mo
Today · 4.125%
HK$100,902
baseline
▲ 0.50% · 4.625%
HK$107,042
+HK$6,140/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$201,804/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,629
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,461
−HK$2,874/mo
Today · 4.125%
HK$111,335
baseline
▲ 0.50% · 4.625%
HK$117,204
+HK$5,869/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$222,670/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,772
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$114,218
−HK$3,501/mo
Today · 4.125%
HK$117,719
baseline
▲ 0.50% · 4.625%
HK$124,882
+HK$7,163/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$235,438/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,233
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$126,538
−HK$3,353/mo
Today · 4.125%
HK$129,891
baseline
▲ 0.50% · 4.625%
HK$136,738
+HK$6,847/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$259,782/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,422
−HK$8,931/mo
▼ 0.25% · 3.875%
HK$146,852
−HK$4,501/mo
Today · 4.125%
HK$151,353
baseline
▲ 0.50% · 4.625%
HK$160,562
+HK$9,209/mo
Deposit HK$3.47M · loan HK$31.23M · min. income ≈ HK$302,706/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,443
−HK$8,560/mo
▼ 0.25% · 3.875%
HK$162,692
−HK$4,311/mo
Today · 4.125%
HK$167,003
baseline
▲ 0.50% · 4.625%
HK$175,806
+HK$8,803/mo
Deposit HK$3.47M · loan HK$31.23M · min. income ≈ HK$334,006/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,719 · Scale 2, in force from 26 Feb 2026)