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$79,058
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,518
−HK$2,498/mo
Today · 4.125%
HK$84,016
baseline
▲ 0.50% · 4.625%
HK$89,128
+HK$5,112/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$168,032/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,952
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,311
−HK$2,392/mo
Today · 4.125%
HK$92,703
baseline
▲ 0.50% · 4.625%
HK$97,590
+HK$4,887/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$185,406/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,870
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,821
−HK$2,998/mo
Today · 4.125%
HK$100,819
baseline
▲ 0.50% · 4.625%
HK$106,954
+HK$6,135/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$201,638/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,542
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$108,373
−HK$2,871/mo
Today · 4.125%
HK$111,244
baseline
▲ 0.50% · 4.625%
HK$117,108
+HK$5,864/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$222,488/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,682
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$114,125
−HK$3,498/mo
Today · 4.125%
HK$117,623
baseline
▲ 0.50% · 4.625%
HK$124,780
+HK$7,157/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$235,246/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,132
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$126,435
−HK$3,350/mo
Today · 4.125%
HK$129,785
baseline
▲ 0.50% · 4.625%
HK$136,626
+HK$6,841/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$259,570/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,305
−HK$8,924/mo
▼ 0.25% · 3.875%
HK$146,732
−HK$4,497/mo
Today · 4.125%
HK$151,229
baseline
▲ 0.50% · 4.625%
HK$160,431
+HK$9,202/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$302,458/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,313
−HK$8,553/mo
▼ 0.25% · 3.875%
HK$162,559
−HK$4,307/mo
Today · 4.125%
HK$166,866
baseline
▲ 0.50% · 4.625%
HK$175,662
+HK$8,796/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$333,732/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,512 · Scale 2, in force from 26 Feb 2026)