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$79,067
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,527
−HK$2,498/mo
Today · 4.125%
HK$84,025
baseline
▲ 0.50% · 4.625%
HK$89,138
+HK$5,113/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$168,050/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,961
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,320
−HK$2,394/mo
Today · 4.125%
HK$92,714
baseline
▲ 0.50% · 4.625%
HK$97,601
+HK$4,887/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$185,428/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,880
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$97,832
−HK$2,998/mo
Today · 4.125%
HK$100,830
baseline
▲ 0.50% · 4.625%
HK$106,966
+HK$6,136/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$201,660/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,554
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,384
−HK$2,872/mo
Today · 4.125%
HK$111,256
baseline
▲ 0.50% · 4.625%
HK$117,121
+HK$5,865/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$222,512/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,694
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$114,137
−HK$3,498/mo
Today · 4.125%
HK$117,635
baseline
▲ 0.50% · 4.625%
HK$124,793
+HK$7,158/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$235,270/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,473,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,146
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$126,449
−HK$3,350/mo
Today · 4.125%
HK$129,799
baseline
▲ 0.50% · 4.625%
HK$136,641
+HK$6,842/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$259,598/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,473,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,321
−HK$8,925/mo
▼ 0.25% · 3.875%
HK$146,748
−HK$4,498/mo
Today · 4.125%
HK$151,246
baseline
▲ 0.50% · 4.625%
HK$160,448
+HK$9,202/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$302,492/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,330
−HK$8,554/mo
▼ 0.25% · 3.875%
HK$162,577
−HK$4,307/mo
Today · 4.125%
HK$166,884
baseline
▲ 0.50% · 4.625%
HK$175,681
+HK$8,797/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$333,768/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,673 · Scale 2, in force from 26 Feb 2026)