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$79,049
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,508
−HK$2,498/mo
Today · 4.125%
HK$84,006
baseline
▲ 0.50% · 4.625%
HK$89,118
+HK$5,112/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$168,012/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,941
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,300
−HK$2,392/mo
Today · 4.125%
HK$92,692
baseline
▲ 0.50% · 4.625%
HK$97,578
+HK$4,886/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$185,384/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,859
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,809
−HK$2,998/mo
Today · 4.125%
HK$100,807
baseline
▲ 0.50% · 4.625%
HK$106,941
+HK$6,134/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$201,614/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,529
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,360
−HK$2,871/mo
Today · 4.125%
HK$111,231
baseline
▲ 0.50% · 4.625%
HK$117,094
+HK$5,863/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$222,462/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,669
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$114,111
−HK$3,497/mo
Today · 4.125%
HK$117,608
baseline
▲ 0.50% · 4.625%
HK$124,765
+HK$7,157/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$235,216/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,118
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$126,420
−HK$3,349/mo
Today · 4.125%
HK$129,769
baseline
▲ 0.50% · 4.625%
HK$136,610
+HK$6,841/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$259,538/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,288
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$146,714
−HK$4,497/mo
Today · 4.125%
HK$151,211
baseline
▲ 0.50% · 4.625%
HK$160,412
+HK$9,201/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$302,422/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,294
−HK$8,552/mo
▼ 0.25% · 3.875%
HK$162,539
−HK$4,307/mo
Today · 4.125%
HK$166,846
baseline
▲ 0.50% · 4.625%
HK$175,641
+HK$8,795/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$333,692/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,335 · Scale 2, in force from 26 Feb 2026)