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$79,159
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,622
−HK$2,501/mo
Today · 4.125%
HK$84,123
baseline
▲ 0.50% · 4.625%
HK$89,242
+HK$5,119/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$168,246/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,064
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,426
−HK$2,396/mo
Today · 4.125%
HK$92,822
baseline
▲ 0.50% · 4.625%
HK$97,714
+HK$4,892/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$185,644/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,991
−HK$5,957/mo
▼ 0.25% · 3.875%
HK$97,946
−HK$3,002/mo
Today · 4.125%
HK$100,948
baseline
▲ 0.50% · 4.625%
HK$107,090
+HK$6,142/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$201,896/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,677
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,511
−HK$2,875/mo
Today · 4.125%
HK$111,386
baseline
▲ 0.50% · 4.625%
HK$117,257
+HK$5,871/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$222,772/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,823
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$114,270
−HK$3,503/mo
Today · 4.125%
HK$117,773
baseline
▲ 0.50% · 4.625%
HK$124,939
+HK$7,166/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$235,546/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,289
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$126,596
−HK$3,354/mo
Today · 4.125%
HK$129,950
baseline
▲ 0.50% · 4.625%
HK$136,800
+HK$6,850/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$259,900/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,487
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$146,919
−HK$4,503/mo
Today · 4.125%
HK$151,422
baseline
▲ 0.50% · 4.625%
HK$160,636
+HK$9,214/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$302,844/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,515
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$162,766
−HK$4,313/mo
Today · 4.125%
HK$167,079
baseline
▲ 0.50% · 4.625%
HK$175,886
+HK$8,807/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$334,158/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,391 · Scale 2, in force from 26 Feb 2026)