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$79,222
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,686
−HK$2,504/mo
Today · 4.125%
HK$84,190
baseline
▲ 0.50% · 4.625%
HK$89,312
+HK$5,122/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$168,380/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,133
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,497
−HK$2,398/mo
Today · 4.125%
HK$92,895
baseline
▲ 0.50% · 4.625%
HK$97,792
+HK$4,897/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$185,790/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,066
−HK$5,962/mo
▼ 0.25% · 3.875%
HK$98,023
−HK$3,005/mo
Today · 4.125%
HK$101,028
baseline
▲ 0.50% · 4.625%
HK$107,175
+HK$6,147/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$202,056/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,760
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,596
−HK$2,878/mo
Today · 4.125%
HK$111,474
baseline
▲ 0.50% · 4.625%
HK$117,350
+HK$5,876/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$222,948/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,910
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,360
−HK$3,505/mo
Today · 4.125%
HK$117,865
baseline
▲ 0.50% · 4.625%
HK$125,037
+HK$7,172/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$235,730/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,387
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,696
−HK$3,357/mo
Today · 4.125%
HK$130,053
baseline
▲ 0.50% · 4.625%
HK$136,908
+HK$6,855/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$260,106/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,599
−HK$8,942/mo
▼ 0.25% · 3.875%
HK$147,035
−HK$4,506/mo
Today · 4.125%
HK$151,541
baseline
▲ 0.50% · 4.625%
HK$160,762
+HK$9,221/mo
Deposit HK$3.47M · loan HK$31.27M · min. income ≈ HK$303,082/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,640
−HK$8,571/mo
▼ 0.25% · 3.875%
HK$162,895
−HK$4,316/mo
Today · 4.125%
HK$167,211
baseline
▲ 0.50% · 4.625%
HK$176,025
+HK$8,814/mo
Deposit HK$3.47M · loan HK$31.27M · min. income ≈ HK$334,422/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,555 · Scale 2, in force from 26 Feb 2026)