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$79,246
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,711
−HK$2,504/mo
Today · 4.125%
HK$84,215
baseline
▲ 0.50% · 4.625%
HK$89,339
+HK$5,124/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$168,430/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,477,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,160
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,524
−HK$2,399/mo
Today · 4.125%
HK$92,923
baseline
▲ 0.50% · 4.625%
HK$97,821
+HK$4,898/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$185,846/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,477,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,095
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,053
−HK$3,005/mo
Today · 4.125%
HK$101,058
baseline
▲ 0.50% · 4.625%
HK$107,207
+HK$6,149/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$202,116/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,792
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,629
−HK$2,879/mo
Today · 4.125%
HK$111,508
baseline
▲ 0.50% · 4.625%
HK$117,385
+HK$5,877/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$223,016/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,944
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$114,395
−HK$3,506/mo
Today · 4.125%
HK$117,901
baseline
▲ 0.50% · 4.625%
HK$125,075
+HK$7,174/mo
Deposit HK$10.43M · loan HK$24.33M · min. income ≈ HK$235,802/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,477,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,424
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$126,734
−HK$3,358/mo
Today · 4.125%
HK$130,092
baseline
▲ 0.50% · 4.625%
HK$136,949
+HK$6,857/mo
Deposit HK$10.43M · loan HK$24.33M · min. income ≈ HK$260,184/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,477,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,642
−HK$8,945/mo
▼ 0.25% · 3.875%
HK$147,079
−HK$4,508/mo
Today · 4.125%
HK$151,587
baseline
▲ 0.50% · 4.625%
HK$160,811
+HK$9,224/mo
Deposit HK$3.48M · loan HK$31.28M · min. income ≈ HK$303,174/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,688
−HK$8,573/mo
▼ 0.25% · 3.875%
HK$162,944
−HK$4,317/mo
Today · 4.125%
HK$167,261
baseline
▲ 0.50% · 4.625%
HK$176,078
+HK$8,817/mo
Deposit HK$3.48M · loan HK$31.28M · min. income ≈ HK$334,522/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,000 · Scale 2, in force from 26 Feb 2026)