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$79,432
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,903
−HK$2,510/mo
Today · 4.125%
HK$84,413
baseline
▲ 0.50% · 4.625%
HK$89,549
+HK$5,136/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$168,826/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,367
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,737
−HK$2,404/mo
Today · 4.125%
HK$93,141
baseline
▲ 0.50% · 4.625%
HK$98,051
+HK$4,910/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$186,282/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,318
−HK$5,978/mo
▼ 0.25% · 3.875%
HK$98,283
−HK$3,013/mo
Today · 4.125%
HK$101,296
baseline
▲ 0.50% · 4.625%
HK$107,459
+HK$6,163/mo
Deposit HK$13.93M · loan HK$20.90M · min. income ≈ HK$202,592/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,480,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,041
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,885
−HK$2,885/mo
Today · 4.125%
HK$111,770
baseline
▲ 0.50% · 4.625%
HK$117,661
+HK$5,891/mo
Deposit HK$13.93M · loan HK$20.90M · min. income ≈ HK$223,540/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,480,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,205
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$114,664
−HK$3,514/mo
Today · 4.125%
HK$118,178
baseline
▲ 0.50% · 4.625%
HK$125,369
+HK$7,191/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$236,356/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,714
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$127,032
−HK$3,366/mo
Today · 4.125%
HK$130,398
baseline
▲ 0.50% · 4.625%
HK$137,272
+HK$6,874/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$260,796/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,978
−HK$8,965/mo
▼ 0.25% · 3.875%
HK$147,425
−HK$4,518/mo
Today · 4.125%
HK$151,943
baseline
▲ 0.50% · 4.625%
HK$161,189
+HK$9,246/mo
Deposit HK$3.48M · loan HK$31.35M · min. income ≈ HK$303,886/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,061
−HK$8,594/mo
▼ 0.25% · 3.875%
HK$163,327
−HK$4,328/mo
Today · 4.125%
HK$167,655
baseline
▲ 0.50% · 4.625%
HK$176,492
+HK$8,837/mo
Deposit HK$3.48M · loan HK$31.35M · min. income ≈ HK$335,310/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,474 · Scale 2, in force from 26 Feb 2026)