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$79,228
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,693
−HK$2,503/mo
Today · 4.125%
HK$84,196
baseline
▲ 0.50% · 4.625%
HK$89,320
+HK$5,124/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$168,392/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,140
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,504
−HK$2,398/mo
Today · 4.125%
HK$92,902
baseline
▲ 0.50% · 4.625%
HK$97,799
+HK$4,897/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$185,804/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,074
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,031
−HK$3,005/mo
Today · 4.125%
HK$101,036
baseline
▲ 0.50% · 4.625%
HK$107,183
+HK$6,147/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$202,072/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,769
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,605
−HK$2,878/mo
Today · 4.125%
HK$111,483
baseline
▲ 0.50% · 4.625%
HK$117,359
+HK$5,876/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$222,966/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,919
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,370
−HK$3,505/mo
Today · 4.125%
HK$117,875
baseline
▲ 0.50% · 4.625%
HK$125,047
+HK$7,172/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$235,750/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,397
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,706
−HK$3,357/mo
Today · 4.125%
HK$130,063
baseline
▲ 0.50% · 4.625%
HK$136,919
+HK$6,856/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$260,126/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,611
−HK$8,943/mo
▼ 0.25% · 3.875%
HK$147,047
−HK$4,507/mo
Today · 4.125%
HK$151,554
baseline
▲ 0.50% · 4.625%
HK$160,775
+HK$9,221/mo
Deposit HK$3.47M · loan HK$31.27M · min. income ≈ HK$303,108/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,653
−HK$8,571/mo
▼ 0.25% · 3.875%
HK$162,908
−HK$4,316/mo
Today · 4.125%
HK$167,224
baseline
▲ 0.50% · 4.625%
HK$176,039
+HK$8,815/mo
Deposit HK$3.47M · loan HK$31.27M · min. income ≈ HK$334,448/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,674 · Scale 2, in force from 26 Feb 2026)