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$79,226
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,690
−HK$2,504/mo
Today · 4.125%
HK$84,194
baseline
▲ 0.50% · 4.625%
HK$89,317
+HK$5,123/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$168,388/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,138
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,502
−HK$2,398/mo
Today · 4.125%
HK$92,900
baseline
▲ 0.50% · 4.625%
HK$97,797
+HK$4,897/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$185,800/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,071
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,028
−HK$3,005/mo
Today · 4.125%
HK$101,033
baseline
▲ 0.50% · 4.625%
HK$107,181
+HK$6,148/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$202,066/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,766
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,602
−HK$2,878/mo
Today · 4.125%
HK$111,480
baseline
▲ 0.50% · 4.625%
HK$117,356
+HK$5,876/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$222,960/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,916
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,366
−HK$3,506/mo
Today · 4.125%
HK$117,872
baseline
▲ 0.50% · 4.625%
HK$125,044
+HK$7,172/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$235,744/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,393
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,703
−HK$3,357/mo
Today · 4.125%
HK$130,060
baseline
▲ 0.50% · 4.625%
HK$136,915
+HK$6,855/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$260,120/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,607
−HK$8,942/mo
▼ 0.25% · 3.875%
HK$147,043
−HK$4,506/mo
Today · 4.125%
HK$151,549
baseline
▲ 0.50% · 4.625%
HK$160,771
+HK$9,222/mo
Deposit HK$3.47M · loan HK$31.27M · min. income ≈ HK$303,098/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,648
−HK$8,572/mo
▼ 0.25% · 3.875%
HK$162,903
−HK$4,317/mo
Today · 4.125%
HK$167,220
baseline
▲ 0.50% · 4.625%
HK$176,034
+HK$8,814/mo
Deposit HK$3.47M · loan HK$31.27M · min. income ≈ HK$334,440/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,633 · Scale 2, in force from 26 Feb 2026)