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$79,283
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,750
−HK$2,505/mo
Today · 4.125%
HK$84,255
baseline
▲ 0.50% · 4.625%
HK$89,382
+HK$5,127/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$168,510/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,202
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,568
−HK$2,399/mo
Today · 4.125%
HK$92,967
baseline
▲ 0.50% · 4.625%
HK$97,868
+HK$4,901/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$185,934/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,140
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,100
−HK$3,006/mo
Today · 4.125%
HK$101,106
baseline
▲ 0.50% · 4.625%
HK$107,258
+HK$6,152/mo
Deposit HK$13.91M · loan HK$20.86M · min. income ≈ HK$202,212/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,477,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,842
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,681
−HK$2,880/mo
Today · 4.125%
HK$111,561
baseline
▲ 0.50% · 4.625%
HK$117,441
+HK$5,880/mo
Deposit HK$13.91M · loan HK$20.86M · min. income ≈ HK$223,122/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,477,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,997
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,450
−HK$3,507/mo
Today · 4.125%
HK$117,957
baseline
▲ 0.50% · 4.625%
HK$125,135
+HK$7,178/mo
Deposit HK$10.43M · loan HK$24.34M · min. income ≈ HK$235,914/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,477,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,483
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,795
−HK$3,359/mo
Today · 4.125%
HK$130,154
baseline
▲ 0.50% · 4.625%
HK$137,015
+HK$6,861/mo
Deposit HK$10.43M · loan HK$24.34M · min. income ≈ HK$260,308/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,477,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,710
−HK$8,949/mo
▼ 0.25% · 3.875%
HK$147,149
−HK$4,510/mo
Today · 4.125%
HK$151,659
baseline
▲ 0.50% · 4.625%
HK$160,888
+HK$9,229/mo
Deposit HK$3.48M · loan HK$31.29M · min. income ≈ HK$303,318/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,764
−HK$8,577/mo
▼ 0.25% · 3.875%
HK$163,022
−HK$4,319/mo
Today · 4.125%
HK$167,341
baseline
▲ 0.50% · 4.625%
HK$176,162
+HK$8,821/mo
Deposit HK$3.48M · loan HK$31.29M · min. income ≈ HK$334,682/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,706 · Scale 2, in force from 26 Feb 2026)