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$79,112
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,573
−HK$2,500/mo
Today · 4.125%
HK$84,073
baseline
▲ 0.50% · 4.625%
HK$89,189
+HK$5,116/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$168,146/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,011
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,372
−HK$2,394/mo
Today · 4.125%
HK$92,766
baseline
▲ 0.50% · 4.625%
HK$97,656
+HK$4,890/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$185,532/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,934
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,887
−HK$3,000/mo
Today · 4.125%
HK$100,887
baseline
▲ 0.50% · 4.625%
HK$107,026
+HK$6,139/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$201,774/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,613
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,446
−HK$2,873/mo
Today · 4.125%
HK$111,319
baseline
▲ 0.50% · 4.625%
HK$117,187
+HK$5,868/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$222,638/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,757
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$114,202
−HK$3,500/mo
Today · 4.125%
HK$117,702
baseline
▲ 0.50% · 4.625%
HK$124,864
+HK$7,162/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$235,404/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,216
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,520
−HK$3,353/mo
Today · 4.125%
HK$129,873
baseline
▲ 0.50% · 4.625%
HK$136,718
+HK$6,845/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$259,746/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,401
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$146,831
−HK$4,500/mo
Today · 4.125%
HK$151,331
baseline
▲ 0.50% · 4.625%
HK$160,539
+HK$9,208/mo
Deposit HK$3.47M · loan HK$31.22M · min. income ≈ HK$302,662/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,420
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$162,669
−HK$4,310/mo
Today · 4.125%
HK$166,979
baseline
▲ 0.50% · 4.625%
HK$175,781
+HK$8,802/mo
Deposit HK$3.47M · loan HK$31.22M · min. income ≈ HK$333,958/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,508 · Scale 2, in force from 26 Feb 2026)