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$79,593
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,069
−HK$2,515/mo
Today · 4.125%
HK$84,584
baseline
▲ 0.50% · 4.625%
HK$89,731
+HK$5,147/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$169,168/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,483,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,546
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,921
−HK$2,409/mo
Today · 4.125%
HK$93,330
baseline
▲ 0.50% · 4.625%
HK$98,250
+HK$4,920/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$186,660/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,483,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,512
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,482
−HK$3,019/mo
Today · 4.125%
HK$101,501
baseline
▲ 0.50% · 4.625%
HK$107,677
+HK$6,176/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$203,002/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,483,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,256
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,105
−HK$2,891/mo
Today · 4.125%
HK$111,996
baseline
▲ 0.50% · 4.625%
HK$117,900
+HK$5,904/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$223,992/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,483,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,430
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,896
−HK$3,522/mo
Today · 4.125%
HK$118,418
baseline
▲ 0.50% · 4.625%
HK$125,623
+HK$7,205/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$236,836/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,483,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,965
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,290
−HK$3,372/mo
Today · 4.125%
HK$130,662
baseline
▲ 0.50% · 4.625%
HK$137,550
+HK$6,888/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$261,324/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,483,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,267
−HK$8,984/mo
▼ 0.25% · 3.875%
HK$147,724
−HK$4,527/mo
Today · 4.125%
HK$152,251
baseline
▲ 0.50% · 4.625%
HK$161,516
+HK$9,265/mo
Deposit HK$3.49M · loan HK$31.41M · min. income ≈ HK$304,502/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,383
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$163,658
−HK$4,336/mo
Today · 4.125%
HK$167,994
baseline
▲ 0.50% · 4.625%
HK$176,850
+HK$8,856/mo
Deposit HK$3.49M · loan HK$31.41M · min. income ≈ HK$335,988/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,474 · Scale 2, in force from 26 Feb 2026)