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$79,552
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,027
−HK$2,514/mo
Today · 4.125%
HK$84,541
baseline
▲ 0.50% · 4.625%
HK$89,685
+HK$5,144/mo
Deposit HK$17.44M · loan HK$17.44M · min. income ≈ HK$169,082/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,482,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,501
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,875
−HK$2,408/mo
Today · 4.125%
HK$93,283
baseline
▲ 0.50% · 4.625%
HK$98,200
+HK$4,917/mo
Deposit HK$17.44M · loan HK$17.44M · min. income ≈ HK$186,566/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,482,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,463
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,432
−HK$3,017/mo
Today · 4.125%
HK$101,449
baseline
▲ 0.50% · 4.625%
HK$107,622
+HK$6,173/mo
Deposit HK$13.95M · loan HK$20.93M · min. income ≈ HK$202,898/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,201
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,050
−HK$2,889/mo
Today · 4.125%
HK$111,939
baseline
▲ 0.50% · 4.625%
HK$117,840
+HK$5,901/mo
Deposit HK$13.95M · loan HK$20.93M · min. income ≈ HK$223,878/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,373
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,838
−HK$3,519/mo
Today · 4.125%
HK$118,357
baseline
▲ 0.50% · 4.625%
HK$125,559
+HK$7,202/mo
Deposit HK$10.47M · loan HK$24.42M · min. income ≈ HK$236,714/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,902
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,225
−HK$3,371/mo
Today · 4.125%
HK$130,596
baseline
▲ 0.50% · 4.625%
HK$137,480
+HK$6,884/mo
Deposit HK$10.47M · loan HK$24.42M · min. income ≈ HK$261,192/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,194
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$147,648
−HK$4,526/mo
Today · 4.125%
HK$152,174
baseline
▲ 0.50% · 4.625%
HK$161,433
+HK$9,259/mo
Deposit HK$3.49M · loan HK$31.40M · min. income ≈ HK$304,348/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,302
−HK$8,607/mo
▼ 0.25% · 3.875%
HK$163,575
−HK$4,334/mo
Today · 4.125%
HK$167,909
baseline
▲ 0.50% · 4.625%
HK$176,760
+HK$8,851/mo
Deposit HK$3.49M · loan HK$31.40M · min. income ≈ HK$335,818/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,718 · Scale 2, in force from 26 Feb 2026)