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$79,673
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,152
−HK$2,518/mo
Today · 4.125%
HK$84,670
baseline
▲ 0.50% · 4.625%
HK$89,822
+HK$5,152/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$169,340/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,484,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,636
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,013
−HK$2,412/mo
Today · 4.125%
HK$93,425
baseline
▲ 0.50% · 4.625%
HK$98,349
+HK$4,924/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$186,850/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,484,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,608
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,582
−HK$3,022/mo
Today · 4.125%
HK$101,604
baseline
▲ 0.50% · 4.625%
HK$107,786
+HK$6,182/mo
Deposit HK$13.98M · loan HK$20.96M · min. income ≈ HK$203,208/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,363
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,216
−HK$2,894/mo
Today · 4.125%
HK$112,110
baseline
▲ 0.50% · 4.625%
HK$118,019
+HK$5,909/mo
Deposit HK$13.98M · loan HK$20.96M · min. income ≈ HK$224,220/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,543
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,012
−HK$3,526/mo
Today · 4.125%
HK$118,538
baseline
▲ 0.50% · 4.625%
HK$125,750
+HK$7,212/mo
Deposit HK$10.48M · loan HK$24.46M · min. income ≈ HK$237,076/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,484,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,090
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,418
−HK$3,377/mo
Today · 4.125%
HK$130,795
baseline
▲ 0.50% · 4.625%
HK$137,689
+HK$6,894/mo
Deposit HK$10.48M · loan HK$24.46M · min. income ≈ HK$261,590/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,484,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,412
−HK$8,993/mo
▼ 0.25% · 3.875%
HK$147,873
−HK$4,532/mo
Today · 4.125%
HK$152,405
baseline
▲ 0.50% · 4.625%
HK$161,679
+HK$9,274/mo
Deposit HK$3.49M · loan HK$31.45M · min. income ≈ HK$304,810/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,545
−HK$8,619/mo
▼ 0.25% · 3.875%
HK$163,824
−HK$4,340/mo
Today · 4.125%
HK$168,164
baseline
▲ 0.50% · 4.625%
HK$177,029
+HK$8,865/mo
Deposit HK$3.49M · loan HK$31.45M · min. income ≈ HK$336,328/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,975 · Scale 2, in force from 26 Feb 2026)