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$79,013
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,471
−HK$2,497/mo
Today · 4.125%
HK$83,968
baseline
▲ 0.50% · 4.625%
HK$89,077
+HK$5,109/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$167,936/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,901
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,259
−HK$2,391/mo
Today · 4.125%
HK$92,650
baseline
▲ 0.50% · 4.625%
HK$97,534
+HK$4,884/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$185,300/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,816
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,765
−HK$2,996/mo
Today · 4.125%
HK$100,761
baseline
▲ 0.50% · 4.625%
HK$106,892
+HK$6,131/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$201,522/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,481
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,310
−HK$2,870/mo
Today · 4.125%
HK$111,180
baseline
▲ 0.50% · 4.625%
HK$117,041
+HK$5,861/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$222,360/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,618
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,059
−HK$3,496/mo
Today · 4.125%
HK$117,555
baseline
▲ 0.50% · 4.625%
HK$124,708
+HK$7,153/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$235,110/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,062
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$126,362
−HK$3,348/mo
Today · 4.125%
HK$129,710
baseline
▲ 0.50% · 4.625%
HK$136,547
+HK$6,837/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$259,420/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,223
−HK$8,919/mo
▼ 0.25% · 3.875%
HK$146,647
−HK$4,495/mo
Today · 4.125%
HK$151,142
baseline
▲ 0.50% · 4.625%
HK$160,339
+HK$9,197/mo
Deposit HK$3.47M · loan HK$31.19M · min. income ≈ HK$302,284/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,222
−HK$8,548/mo
▼ 0.25% · 3.875%
HK$162,465
−HK$4,305/mo
Today · 4.125%
HK$166,770
baseline
▲ 0.50% · 4.625%
HK$175,561
+HK$8,791/mo
Deposit HK$3.47M · loan HK$31.19M · min. income ≈ HK$333,540/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,664 · Scale 2, in force from 26 Feb 2026)