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$79,581
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,056
−HK$2,515/mo
Today · 4.125%
HK$84,571
baseline
▲ 0.50% · 4.625%
HK$89,717
+HK$5,146/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$169,142/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,483,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,533
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,907
−HK$2,409/mo
Today · 4.125%
HK$93,316
baseline
▲ 0.50% · 4.625%
HK$98,235
+HK$4,919/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$186,632/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,483,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,497
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,467
−HK$3,018/mo
Today · 4.125%
HK$101,485
baseline
▲ 0.50% · 4.625%
HK$107,660
+HK$6,175/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$202,970/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,483,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,239
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,088
−HK$2,891/mo
Today · 4.125%
HK$111,979
baseline
▲ 0.50% · 4.625%
HK$117,882
+HK$5,903/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$223,958/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,483,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,413
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$114,878
−HK$3,521/mo
Today · 4.125%
HK$118,399
baseline
▲ 0.50% · 4.625%
HK$125,604
+HK$7,205/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$236,798/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,483,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,946
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$127,270
−HK$3,372/mo
Today · 4.125%
HK$130,642
baseline
▲ 0.50% · 4.625%
HK$137,528
+HK$6,886/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$261,284/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,483,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,245
−HK$8,983/mo
▼ 0.25% · 3.875%
HK$147,701
−HK$4,527/mo
Today · 4.125%
HK$152,228
baseline
▲ 0.50% · 4.625%
HK$161,491
+HK$9,263/mo
Deposit HK$3.49M · loan HK$31.41M · min. income ≈ HK$304,456/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,359
−HK$8,609/mo
▼ 0.25% · 3.875%
HK$163,633
−HK$4,335/mo
Today · 4.125%
HK$167,968
baseline
▲ 0.50% · 4.625%
HK$176,822
+HK$8,854/mo
Deposit HK$3.49M · loan HK$31.41M · min. income ≈ HK$335,936/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,245 · Scale 2, in force from 26 Feb 2026)