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$79,445
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,916
−HK$2,511/mo
Today · 4.125%
HK$84,427
baseline
▲ 0.50% · 4.625%
HK$89,564
+HK$5,137/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$168,854/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,382
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,752
−HK$2,405/mo
Today · 4.125%
HK$93,157
baseline
▲ 0.50% · 4.625%
HK$98,067
+HK$4,910/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$186,314/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,334
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$98,299
−HK$3,013/mo
Today · 4.125%
HK$101,312
baseline
▲ 0.50% · 4.625%
HK$107,477
+HK$6,165/mo
Deposit HK$13.94M · loan HK$20.90M · min. income ≈ HK$202,624/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,480,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,058
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$108,903
−HK$2,885/mo
Today · 4.125%
HK$111,788
baseline
▲ 0.50% · 4.625%
HK$117,681
+HK$5,893/mo
Deposit HK$13.94M · loan HK$20.90M · min. income ≈ HK$223,576/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,480,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,223
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,683
−HK$3,515/mo
Today · 4.125%
HK$118,198
baseline
▲ 0.50% · 4.625%
HK$125,390
+HK$7,192/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$236,396/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,734
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$127,053
−HK$3,366/mo
Today · 4.125%
HK$130,419
baseline
▲ 0.50% · 4.625%
HK$137,294
+HK$6,875/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$260,838/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,001
−HK$8,967/mo
▼ 0.25% · 3.875%
HK$147,449
−HK$4,519/mo
Today · 4.125%
HK$151,968
baseline
▲ 0.50% · 4.625%
HK$161,215
+HK$9,247/mo
Deposit HK$3.48M · loan HK$31.36M · min. income ≈ HK$303,936/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,087
−HK$8,595/mo
▼ 0.25% · 3.875%
HK$163,354
−HK$4,328/mo
Today · 4.125%
HK$167,682
baseline
▲ 0.50% · 4.625%
HK$176,521
+HK$8,839/mo
Deposit HK$3.48M · loan HK$31.36M · min. income ≈ HK$335,364/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,717 · Scale 2, in force from 26 Feb 2026)