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$79,430
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,901
−HK$2,510/mo
Today · 4.125%
HK$84,411
baseline
▲ 0.50% · 4.625%
HK$89,548
+HK$5,137/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$168,822/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,366
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,735
−HK$2,405/mo
Today · 4.125%
HK$93,140
baseline
▲ 0.50% · 4.625%
HK$98,049
+HK$4,909/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$186,280/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,317
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,281
−HK$3,013/mo
Today · 4.125%
HK$101,294
baseline
▲ 0.50% · 4.625%
HK$107,457
+HK$6,163/mo
Deposit HK$13.93M · loan HK$20.90M · min. income ≈ HK$202,588/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,480,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,039
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,883
−HK$2,885/mo
Today · 4.125%
HK$111,768
baseline
▲ 0.50% · 4.625%
HK$117,659
+HK$5,891/mo
Deposit HK$13.93M · loan HK$20.90M · min. income ≈ HK$223,536/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,480,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,203
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$114,662
−HK$3,514/mo
Today · 4.125%
HK$118,176
baseline
▲ 0.50% · 4.625%
HK$125,367
+HK$7,191/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$236,352/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,712
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$127,030
−HK$3,366/mo
Today · 4.125%
HK$130,396
baseline
▲ 0.50% · 4.625%
HK$137,269
+HK$6,873/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$260,792/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,975
−HK$8,966/mo
▼ 0.25% · 3.875%
HK$147,422
−HK$4,519/mo
Today · 4.125%
HK$151,941
baseline
▲ 0.50% · 4.625%
HK$161,186
+HK$9,245/mo
Deposit HK$3.48M · loan HK$31.35M · min. income ≈ HK$303,882/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,058
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$163,324
−HK$4,327/mo
Today · 4.125%
HK$167,651
baseline
▲ 0.50% · 4.625%
HK$176,489
+HK$8,838/mo
Deposit HK$3.48M · loan HK$31.35M · min. income ≈ HK$335,302/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,445 · Scale 2, in force from 26 Feb 2026)