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$79,336
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,804
−HK$2,507/mo
Today · 4.125%
HK$84,311
baseline
▲ 0.50% · 4.625%
HK$89,441
+HK$5,130/mo
Deposit HK$17.40M · loan HK$17.40M · min. income ≈ HK$168,622/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,478,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,261
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,628
−HK$2,401/mo
Today · 4.125%
HK$93,029
baseline
▲ 0.50% · 4.625%
HK$97,933
+HK$4,904/mo
Deposit HK$17.40M · loan HK$17.40M · min. income ≈ HK$186,058/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,478,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,203
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$98,165
−HK$3,008/mo
Today · 4.125%
HK$101,173
baseline
▲ 0.50% · 4.625%
HK$107,330
+HK$6,157/mo
Deposit HK$13.92M · loan HK$20.88M · min. income ≈ HK$202,346/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,478,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,913
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$108,753
−HK$2,882/mo
Today · 4.125%
HK$111,635
baseline
▲ 0.50% · 4.625%
HK$117,519
+HK$5,884/mo
Deposit HK$13.92M · loan HK$20.88M · min. income ≈ HK$223,270/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,478,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,071
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,525
−HK$3,511/mo
Today · 4.125%
HK$118,036
baseline
▲ 0.50% · 4.625%
HK$125,218
+HK$7,182/mo
Deposit HK$10.44M · loan HK$24.35M · min. income ≈ HK$236,072/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,478,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,565
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$126,879
−HK$3,362/mo
Today · 4.125%
HK$130,241
baseline
▲ 0.50% · 4.625%
HK$137,106
+HK$6,865/mo
Deposit HK$10.44M · loan HK$24.35M · min. income ≈ HK$260,482/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,478,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,805
−HK$8,955/mo
▼ 0.25% · 3.875%
HK$147,247
−HK$4,513/mo
Today · 4.125%
HK$151,760
baseline
▲ 0.50% · 4.625%
HK$160,994
+HK$9,234/mo
Deposit HK$3.48M · loan HK$31.31M · min. income ≈ HK$303,520/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,478,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,869
−HK$8,583/mo
▼ 0.25% · 3.875%
HK$163,130
−HK$4,322/mo
Today · 4.125%
HK$167,452
baseline
▲ 0.50% · 4.625%
HK$176,279
+HK$8,827/mo
Deposit HK$3.48M · loan HK$31.31M · min. income ≈ HK$334,904/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,478,687 · Scale 2, in force from 26 Feb 2026)