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$79,588
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,063
−HK$2,516/mo
Today · 4.125%
HK$84,579
baseline
▲ 0.50% · 4.625%
HK$89,725
+HK$5,146/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$169,158/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,483,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,541
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,915
−HK$2,409/mo
Today · 4.125%
HK$93,324
baseline
▲ 0.50% · 4.625%
HK$98,243
+HK$4,919/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$186,648/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,483,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,505
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,476
−HK$3,018/mo
Today · 4.125%
HK$101,494
baseline
▲ 0.50% · 4.625%
HK$107,670
+HK$6,176/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$202,988/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,483,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,249
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,098
−HK$2,891/mo
Today · 4.125%
HK$111,989
baseline
▲ 0.50% · 4.625%
HK$117,892
+HK$5,903/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$223,978/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,483,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,423
−HK$6,987/mo
▼ 0.25% · 3.875%
HK$114,889
−HK$3,521/mo
Today · 4.125%
HK$118,410
baseline
▲ 0.50% · 4.625%
HK$125,615
+HK$7,205/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$236,820/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,483,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,957
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,281
−HK$3,373/mo
Today · 4.125%
HK$130,654
baseline
▲ 0.50% · 4.625%
HK$137,541
+HK$6,887/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$261,308/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,483,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,258
−HK$8,984/mo
▼ 0.25% · 3.875%
HK$147,714
−HK$4,528/mo
Today · 4.125%
HK$152,242
baseline
▲ 0.50% · 4.625%
HK$161,505
+HK$9,263/mo
Deposit HK$3.49M · loan HK$31.41M · min. income ≈ HK$304,484/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,373
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$163,647
−HK$4,337/mo
Today · 4.125%
HK$167,984
baseline
▲ 0.50% · 4.625%
HK$176,838
+HK$8,854/mo
Deposit HK$3.49M · loan HK$31.41M · min. income ≈ HK$335,968/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,378 · Scale 2, in force from 26 Feb 2026)