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$79,389
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,858
−HK$2,509/mo
Today · 4.125%
HK$84,367
baseline
▲ 0.50% · 4.625%
HK$89,501
+HK$5,134/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$168,734/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,479,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,319
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,688
−HK$2,403/mo
Today · 4.125%
HK$93,091
baseline
▲ 0.50% · 4.625%
HK$97,998
+HK$4,907/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$186,182/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,479,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,267
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,230
−HK$3,011/mo
Today · 4.125%
HK$101,241
baseline
▲ 0.50% · 4.625%
HK$107,401
+HK$6,160/mo
Deposit HK$13.93M · loan HK$20.89M · min. income ≈ HK$202,482/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,479,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,983
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,826
−HK$2,883/mo
Today · 4.125%
HK$111,709
baseline
▲ 0.50% · 4.625%
HK$117,598
+HK$5,889/mo
Deposit HK$13.93M · loan HK$20.89M · min. income ≈ HK$223,418/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,479,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,145
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,602
−HK$3,512/mo
Today · 4.125%
HK$118,114
baseline
▲ 0.50% · 4.625%
HK$125,301
+HK$7,187/mo
Deposit HK$10.44M · loan HK$24.37M · min. income ≈ HK$236,228/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,479,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,647
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,963
−HK$3,364/mo
Today · 4.125%
HK$130,327
baseline
▲ 0.50% · 4.625%
HK$137,197
+HK$6,870/mo
Deposit HK$10.44M · loan HK$24.37M · min. income ≈ HK$260,654/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,479,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,900
−HK$8,961/mo
▼ 0.25% · 3.875%
HK$147,345
−HK$4,516/mo
Today · 4.125%
HK$151,861
baseline
▲ 0.50% · 4.625%
HK$161,102
+HK$9,241/mo
Deposit HK$3.48M · loan HK$31.33M · min. income ≈ HK$303,722/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,975
−HK$8,589/mo
▼ 0.25% · 3.875%
HK$163,239
−HK$4,325/mo
Today · 4.125%
HK$167,564
baseline
▲ 0.50% · 4.625%
HK$176,396
+HK$8,832/mo
Deposit HK$3.48M · loan HK$31.33M · min. income ≈ HK$335,128/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,672 · Scale 2, in force from 26 Feb 2026)