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$79,289
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,755
−HK$2,506/mo
Today · 4.125%
HK$84,261
baseline
▲ 0.50% · 4.625%
HK$89,388
+HK$5,127/mo
Deposit HK$17.39M · loan HK$17.39M · min. income ≈ HK$168,522/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,208
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,574
−HK$2,400/mo
Today · 4.125%
HK$92,974
baseline
▲ 0.50% · 4.625%
HK$97,875
+HK$4,901/mo
Deposit HK$17.39M · loan HK$17.39M · min. income ≈ HK$185,948/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,147
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,107
−HK$3,006/mo
Today · 4.125%
HK$101,113
baseline
▲ 0.50% · 4.625%
HK$107,266
+HK$6,153/mo
Deposit HK$13.91M · loan HK$20.86M · min. income ≈ HK$202,226/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,477,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,850
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$108,689
−HK$2,880/mo
Today · 4.125%
HK$111,569
baseline
▲ 0.50% · 4.625%
HK$117,450
+HK$5,881/mo
Deposit HK$13.91M · loan HK$20.86M · min. income ≈ HK$223,138/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,477,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,005
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,458
−HK$3,508/mo
Today · 4.125%
HK$117,966
baseline
▲ 0.50% · 4.625%
HK$125,144
+HK$7,178/mo
Deposit HK$10.43M · loan HK$24.34M · min. income ≈ HK$235,932/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,477,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,492
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,804
−HK$3,359/mo
Today · 4.125%
HK$130,163
baseline
▲ 0.50% · 4.625%
HK$137,025
+HK$6,862/mo
Deposit HK$10.43M · loan HK$24.34M · min. income ≈ HK$260,326/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,477,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,720
−HK$8,950/mo
▼ 0.25% · 3.875%
HK$147,160
−HK$4,510/mo
Today · 4.125%
HK$151,670
baseline
▲ 0.50% · 4.625%
HK$160,899
+HK$9,229/mo
Deposit HK$3.48M · loan HK$31.29M · min. income ≈ HK$303,340/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,477,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,775
−HK$8,578/mo
▼ 0.25% · 3.875%
HK$163,033
−HK$4,320/mo
Today · 4.125%
HK$167,353
baseline
▲ 0.50% · 4.625%
HK$176,174
+HK$8,821/mo
Deposit HK$3.48M · loan HK$31.29M · min. income ≈ HK$334,706/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,477,810 · Scale 2, in force from 26 Feb 2026)