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$79,435
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,906
−HK$2,510/mo
Today · 4.125%
HK$84,416
baseline
▲ 0.50% · 4.625%
HK$89,553
+HK$5,137/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$168,832/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,370
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,740
−HK$2,405/mo
Today · 4.125%
HK$93,145
baseline
▲ 0.50% · 4.625%
HK$98,055
+HK$4,910/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$186,290/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,322
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,287
−HK$3,012/mo
Today · 4.125%
HK$101,299
baseline
▲ 0.50% · 4.625%
HK$107,463
+HK$6,164/mo
Deposit HK$13.93M · loan HK$20.90M · min. income ≈ HK$202,598/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,045
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,889
−HK$2,885/mo
Today · 4.125%
HK$111,774
baseline
▲ 0.50% · 4.625%
HK$117,666
+HK$5,892/mo
Deposit HK$13.93M · loan HK$20.90M · min. income ≈ HK$223,548/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,209
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$114,668
−HK$3,515/mo
Today · 4.125%
HK$118,183
baseline
▲ 0.50% · 4.625%
HK$125,374
+HK$7,191/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$236,366/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,719
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$127,037
−HK$3,366/mo
Today · 4.125%
HK$130,403
baseline
▲ 0.50% · 4.625%
HK$137,276
+HK$6,873/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$260,806/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,983
−HK$8,966/mo
▼ 0.25% · 3.875%
HK$147,430
−HK$4,519/mo
Today · 4.125%
HK$151,949
baseline
▲ 0.50% · 4.625%
HK$161,195
+HK$9,246/mo
Deposit HK$3.48M · loan HK$31.35M · min. income ≈ HK$303,898/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,067
−HK$8,594/mo
▼ 0.25% · 3.875%
HK$163,333
−HK$4,328/mo
Today · 4.125%
HK$167,661
baseline
▲ 0.50% · 4.625%
HK$176,498
+HK$8,837/mo
Deposit HK$3.48M · loan HK$31.35M · min. income ≈ HK$335,322/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,527 · Scale 2, in force from 26 Feb 2026)