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$79,189
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,652
−HK$2,503/mo
Today · 4.125%
HK$84,155
baseline
▲ 0.50% · 4.625%
HK$89,276
+HK$5,121/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$168,310/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,475,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,097
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,460
−HK$2,397/mo
Today · 4.125%
HK$92,857
baseline
▲ 0.50% · 4.625%
HK$97,751
+HK$4,894/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$185,714/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,475,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,027
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,983
−HK$3,003/mo
Today · 4.125%
HK$100,986
baseline
▲ 0.50% · 4.625%
HK$107,131
+HK$6,145/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$201,972/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,475,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,716
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,552
−HK$2,876/mo
Today · 4.125%
HK$111,428
baseline
▲ 0.50% · 4.625%
HK$117,301
+HK$5,873/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$222,856/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,475,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,865
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$114,313
−HK$3,504/mo
Today · 4.125%
HK$117,817
baseline
▲ 0.50% · 4.625%
HK$124,986
+HK$7,169/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$235,634/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,336
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$126,644
−HK$3,355/mo
Today · 4.125%
HK$129,999
baseline
▲ 0.50% · 4.625%
HK$136,852
+HK$6,853/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$259,998/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,540
−HK$8,939/mo
▼ 0.25% · 3.875%
HK$146,974
−HK$4,505/mo
Today · 4.125%
HK$151,479
baseline
▲ 0.50% · 4.625%
HK$160,696
+HK$9,217/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$302,958/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,575
−HK$8,567/mo
▼ 0.25% · 3.875%
HK$162,827
−HK$4,315/mo
Today · 4.125%
HK$167,142
baseline
▲ 0.50% · 4.625%
HK$175,952
+HK$8,810/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$334,284/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,946 · Scale 2, in force from 26 Feb 2026)