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$79,306
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,772
−HK$2,507/mo
Today · 4.125%
HK$84,279
baseline
▲ 0.50% · 4.625%
HK$89,407
+HK$5,128/mo
Deposit HK$17.39M · loan HK$17.39M · min. income ≈ HK$168,558/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,478,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,227
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,593
−HK$2,400/mo
Today · 4.125%
HK$92,993
baseline
▲ 0.50% · 4.625%
HK$97,895
+HK$4,902/mo
Deposit HK$17.39M · loan HK$17.39M · min. income ≈ HK$185,986/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,478,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,167
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$98,127
−HK$3,008/mo
Today · 4.125%
HK$101,135
baseline
▲ 0.50% · 4.625%
HK$107,288
+HK$6,153/mo
Deposit HK$13.91M · loan HK$20.87M · min. income ≈ HK$202,270/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,478,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,872
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$108,711
−HK$2,881/mo
Today · 4.125%
HK$111,592
baseline
▲ 0.50% · 4.625%
HK$117,474
+HK$5,882/mo
Deposit HK$13.91M · loan HK$20.87M · min. income ≈ HK$223,184/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,478,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,028
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,481
−HK$3,509/mo
Today · 4.125%
HK$117,990
baseline
▲ 0.50% · 4.625%
HK$125,170
+HK$7,180/mo
Deposit HK$10.43M · loan HK$24.35M · min. income ≈ HK$235,980/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,478,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,517
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,830
−HK$3,361/mo
Today · 4.125%
HK$130,191
baseline
▲ 0.50% · 4.625%
HK$137,053
+HK$6,862/mo
Deposit HK$10.43M · loan HK$24.35M · min. income ≈ HK$260,382/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,478,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,750
−HK$8,952/mo
▼ 0.25% · 3.875%
HK$147,190
−HK$4,512/mo
Today · 4.125%
HK$151,702
baseline
▲ 0.50% · 4.625%
HK$160,933
+HK$9,231/mo
Deposit HK$3.48M · loan HK$31.30M · min. income ≈ HK$303,404/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,478,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,808
−HK$8,580/mo
▼ 0.25% · 3.875%
HK$163,067
−HK$4,321/mo
Today · 4.125%
HK$167,388
baseline
▲ 0.50% · 4.625%
HK$176,211
+HK$8,823/mo
Deposit HK$3.48M · loan HK$31.30M · min. income ≈ HK$334,776/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,478,119 · Scale 2, in force from 26 Feb 2026)