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$79,008
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,466
−HK$2,496/mo
Today · 4.125%
HK$83,962
baseline
▲ 0.50% · 4.625%
HK$89,071
+HK$5,109/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$167,924/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,896
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,253
−HK$2,391/mo
Today · 4.125%
HK$92,644
baseline
▲ 0.50% · 4.625%
HK$97,528
+HK$4,884/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$185,288/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,810
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,759
−HK$2,996/mo
Today · 4.125%
HK$100,755
baseline
▲ 0.50% · 4.625%
HK$106,886
+HK$6,131/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$201,510/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,475
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,303
−HK$2,870/mo
Today · 4.125%
HK$111,173
baseline
▲ 0.50% · 4.625%
HK$117,033
+HK$5,860/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$222,346/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,611
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$114,052
−HK$3,495/mo
Today · 4.125%
HK$117,547
baseline
▲ 0.50% · 4.625%
HK$124,700
+HK$7,153/mo
Deposit HK$10.39M · loan HK$24.25M · min. income ≈ HK$235,094/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,054
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$126,354
−HK$3,348/mo
Today · 4.125%
HK$129,702
baseline
▲ 0.50% · 4.625%
HK$136,539
+HK$6,837/mo
Deposit HK$10.39M · loan HK$24.25M · min. income ≈ HK$259,404/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,214
−HK$8,918/mo
▼ 0.25% · 3.875%
HK$146,638
−HK$4,494/mo
Today · 4.125%
HK$151,132
baseline
▲ 0.50% · 4.625%
HK$160,328
+HK$9,196/mo
Deposit HK$3.46M · loan HK$31.18M · min. income ≈ HK$302,264/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,212
−HK$8,548/mo
▼ 0.25% · 3.875%
HK$162,455
−HK$4,305/mo
Today · 4.125%
HK$166,760
baseline
▲ 0.50% · 4.625%
HK$175,550
+HK$8,790/mo
Deposit HK$3.46M · loan HK$31.18M · min. income ≈ HK$333,520/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,571 · Scale 2, in force from 26 Feb 2026)