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$79,562
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,037
−HK$2,514/mo
Today · 4.125%
HK$84,551
baseline
▲ 0.50% · 4.625%
HK$89,696
+HK$5,145/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$169,102/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,482,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,512
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,886
−HK$2,408/mo
Today · 4.125%
HK$93,294
baseline
▲ 0.50% · 4.625%
HK$98,211
+HK$4,917/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$186,588/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,482,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,474
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,444
−HK$3,017/mo
Today · 4.125%
HK$101,461
baseline
▲ 0.50% · 4.625%
HK$107,635
+HK$6,174/mo
Deposit HK$13.96M · loan HK$20.93M · min. income ≈ HK$202,922/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,214
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$109,063
−HK$2,890/mo
Today · 4.125%
HK$111,953
baseline
▲ 0.50% · 4.625%
HK$117,854
+HK$5,901/mo
Deposit HK$13.96M · loan HK$20.93M · min. income ≈ HK$223,906/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,387
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$114,851
−HK$3,521/mo
Today · 4.125%
HK$118,372
baseline
▲ 0.50% · 4.625%
HK$125,574
+HK$7,202/mo
Deposit HK$10.47M · loan HK$24.42M · min. income ≈ HK$236,744/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,916
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$127,240
−HK$3,371/mo
Today · 4.125%
HK$130,611
baseline
▲ 0.50% · 4.625%
HK$137,496
+HK$6,885/mo
Deposit HK$10.47M · loan HK$24.42M · min. income ≈ HK$261,222/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,211
−HK$8,981/mo
▼ 0.25% · 3.875%
HK$147,666
−HK$4,526/mo
Today · 4.125%
HK$152,192
baseline
▲ 0.50% · 4.625%
HK$161,452
+HK$9,260/mo
Deposit HK$3.49M · loan HK$31.40M · min. income ≈ HK$304,384/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,321
−HK$8,608/mo
▼ 0.25% · 3.875%
HK$163,594
−HK$4,335/mo
Today · 4.125%
HK$167,929
baseline
▲ 0.50% · 4.625%
HK$176,781
+HK$8,852/mo
Deposit HK$3.49M · loan HK$31.40M · min. income ≈ HK$335,858/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,894 · Scale 2, in force from 26 Feb 2026)