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$79,458
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,930
−HK$2,511/mo
Today · 4.125%
HK$84,441
baseline
▲ 0.50% · 4.625%
HK$89,579
+HK$5,138/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$168,882/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,396
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,767
−HK$2,405/mo
Today · 4.125%
HK$93,172
baseline
▲ 0.50% · 4.625%
HK$98,083
+HK$4,911/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$186,344/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,350
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$98,316
−HK$3,013/mo
Today · 4.125%
HK$101,329
baseline
▲ 0.50% · 4.625%
HK$107,495
+HK$6,166/mo
Deposit HK$13.94M · loan HK$20.91M · min. income ≈ HK$202,658/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,480,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,076
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$108,920
−HK$2,886/mo
Today · 4.125%
HK$111,806
baseline
▲ 0.50% · 4.625%
HK$117,700
+HK$5,894/mo
Deposit HK$13.94M · loan HK$20.91M · min. income ≈ HK$223,612/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,480,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,241
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$114,702
−HK$3,515/mo
Today · 4.125%
HK$118,217
baseline
▲ 0.50% · 4.625%
HK$125,410
+HK$7,193/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$236,434/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,755
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$127,074
−HK$3,367/mo
Today · 4.125%
HK$130,441
baseline
▲ 0.50% · 4.625%
HK$137,317
+HK$6,876/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$260,882/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,024
−HK$8,969/mo
▼ 0.25% · 3.875%
HK$147,473
−HK$4,520/mo
Today · 4.125%
HK$151,993
baseline
▲ 0.50% · 4.625%
HK$161,242
+HK$9,249/mo
Deposit HK$3.48M · loan HK$31.36M · min. income ≈ HK$303,986/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,480,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,113
−HK$8,597/mo
▼ 0.25% · 3.875%
HK$163,381
−HK$4,329/mo
Today · 4.125%
HK$167,710
baseline
▲ 0.50% · 4.625%
HK$176,550
+HK$8,840/mo
Deposit HK$3.48M · loan HK$31.36M · min. income ≈ HK$335,420/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,480,960 · Scale 2, in force from 26 Feb 2026)