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$79,086
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,546
−HK$2,499/mo
Today · 4.125%
HK$84,045
baseline
▲ 0.50% · 4.625%
HK$89,159
+HK$5,114/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$168,090/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,982
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,342
−HK$2,394/mo
Today · 4.125%
HK$92,736
baseline
▲ 0.50% · 4.625%
HK$97,624
+HK$4,888/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$185,472/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,903
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,855
−HK$2,999/mo
Today · 4.125%
HK$100,854
baseline
▲ 0.50% · 4.625%
HK$106,991
+HK$6,137/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$201,708/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,579
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,410
−HK$2,873/mo
Today · 4.125%
HK$111,283
baseline
▲ 0.50% · 4.625%
HK$117,148
+HK$5,865/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$222,566/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,720
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,164
−HK$3,499/mo
Today · 4.125%
HK$117,663
baseline
▲ 0.50% · 4.625%
HK$124,823
+HK$7,160/mo
Deposit HK$10.40M · loan HK$24.28M · min. income ≈ HK$235,326/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,175
−HK$6,655/mo
▼ 0.25% · 3.875%
HK$126,478
−HK$3,352/mo
Today · 4.125%
HK$129,830
baseline
▲ 0.50% · 4.625%
HK$136,673
+HK$6,843/mo
Deposit HK$10.40M · loan HK$24.28M · min. income ≈ HK$259,660/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,354
−HK$8,927/mo
▼ 0.25% · 3.875%
HK$146,782
−HK$4,499/mo
Today · 4.125%
HK$151,281
baseline
▲ 0.50% · 4.625%
HK$160,486
+HK$9,205/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$302,562/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,368
−HK$8,556/mo
▼ 0.25% · 3.875%
HK$162,615
−HK$4,309/mo
Today · 4.125%
HK$166,924
baseline
▲ 0.50% · 4.625%
HK$175,723
+HK$8,799/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$333,848/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,021 · Scale 2, in force from 26 Feb 2026)