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$79,022
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,480
−HK$2,498/mo
Today · 4.125%
HK$83,978
baseline
▲ 0.50% · 4.625%
HK$89,088
+HK$5,110/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$167,956/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,912
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,269
−HK$2,392/mo
Today · 4.125%
HK$92,661
baseline
▲ 0.50% · 4.625%
HK$97,546
+HK$4,885/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$185,322/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,827
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,777
−HK$2,996/mo
Today · 4.125%
HK$100,773
baseline
▲ 0.50% · 4.625%
HK$106,905
+HK$6,132/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$201,546/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,494
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$108,323
−HK$2,871/mo
Today · 4.125%
HK$111,194
baseline
▲ 0.50% · 4.625%
HK$117,055
+HK$5,861/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$222,388/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,631
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$114,073
−HK$3,496/mo
Today · 4.125%
HK$117,569
baseline
▲ 0.50% · 4.625%
HK$124,723
+HK$7,154/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$235,138/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,076
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$126,377
−HK$3,349/mo
Today · 4.125%
HK$129,726
baseline
▲ 0.50% · 4.625%
HK$136,564
+HK$6,838/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$259,452/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,240
−HK$8,920/mo
▼ 0.25% · 3.875%
HK$146,665
−HK$4,495/mo
Today · 4.125%
HK$151,160
baseline
▲ 0.50% · 4.625%
HK$160,358
+HK$9,198/mo
Deposit HK$3.47M · loan HK$31.19M · min. income ≈ HK$302,320/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,241
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$162,485
−HK$4,305/mo
Today · 4.125%
HK$166,790
baseline
▲ 0.50% · 4.625%
HK$175,582
+HK$8,792/mo
Deposit HK$3.47M · loan HK$31.19M · min. income ≈ HK$333,580/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,841 · Scale 2, in force from 26 Feb 2026)