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$79,608
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,084
−HK$2,516/mo
Today · 4.125%
HK$84,600
baseline
▲ 0.50% · 4.625%
HK$89,748
+HK$5,148/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$169,200/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,483,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,563
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,938
−HK$2,410/mo
Today · 4.125%
HK$93,348
baseline
▲ 0.50% · 4.625%
HK$98,268
+HK$4,920/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$186,696/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,483,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,530
−HK$5,990/mo
▼ 0.25% · 3.875%
HK$98,501
−HK$3,019/mo
Today · 4.125%
HK$101,520
baseline
▲ 0.50% · 4.625%
HK$107,697
+HK$6,177/mo
Deposit HK$13.96M · loan HK$20.95M · min. income ≈ HK$203,040/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,483,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,276
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$109,126
−HK$2,891/mo
Today · 4.125%
HK$112,017
baseline
▲ 0.50% · 4.625%
HK$117,922
+HK$5,905/mo
Deposit HK$13.96M · loan HK$20.95M · min. income ≈ HK$224,034/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,483,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,451
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$114,918
−HK$3,522/mo
Today · 4.125%
HK$118,440
baseline
▲ 0.50% · 4.625%
HK$125,647
+HK$7,207/mo
Deposit HK$10.47M · loan HK$24.44M · min. income ≈ HK$236,880/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,483,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,988
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,314
−HK$3,373/mo
Today · 4.125%
HK$130,687
baseline
▲ 0.50% · 4.625%
HK$137,576
+HK$6,889/mo
Deposit HK$10.47M · loan HK$24.44M · min. income ≈ HK$261,374/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,483,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,294
−HK$8,986/mo
▼ 0.25% · 3.875%
HK$147,752
−HK$4,528/mo
Today · 4.125%
HK$152,280
baseline
▲ 0.50% · 4.625%
HK$161,546
+HK$9,266/mo
Deposit HK$3.49M · loan HK$31.42M · min. income ≈ HK$304,560/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,413
−HK$8,613/mo
▼ 0.25% · 3.875%
HK$163,689
−HK$4,337/mo
Today · 4.125%
HK$168,026
baseline
▲ 0.50% · 4.625%
HK$176,883
+HK$8,857/mo
Deposit HK$3.49M · loan HK$31.42M · min. income ≈ HK$336,052/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,753 · Scale 2, in force from 26 Feb 2026)