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$79,205
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,668
−HK$2,503/mo
Today · 4.125%
HK$84,171
baseline
▲ 0.50% · 4.625%
HK$89,293
+HK$5,122/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$168,342/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,476,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,114
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,478
−HK$2,397/mo
Today · 4.125%
HK$92,875
baseline
▲ 0.50% · 4.625%
HK$97,770
+HK$4,895/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$185,750/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,476,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,046
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$98,002
−HK$3,004/mo
Today · 4.125%
HK$101,006
baseline
▲ 0.50% · 4.625%
HK$107,152
+HK$6,146/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$202,012/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,737
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$108,573
−HK$2,877/mo
Today · 4.125%
HK$111,450
baseline
▲ 0.50% · 4.625%
HK$117,325
+HK$5,875/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$222,900/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,886
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$114,336
−HK$3,504/mo
Today · 4.125%
HK$117,840
baseline
▲ 0.50% · 4.625%
HK$125,010
+HK$7,170/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$235,680/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,360
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$126,669
−HK$3,356/mo
Today · 4.125%
HK$130,025
baseline
▲ 0.50% · 4.625%
HK$136,879
+HK$6,854/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$260,050/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,568
−HK$8,941/mo
▼ 0.25% · 3.875%
HK$147,003
−HK$4,506/mo
Today · 4.125%
HK$151,509
baseline
▲ 0.50% · 4.625%
HK$160,728
+HK$9,219/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$303,018/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,606
−HK$8,569/mo
▼ 0.25% · 3.875%
HK$162,860
−HK$4,315/mo
Today · 4.125%
HK$167,175
baseline
▲ 0.50% · 4.625%
HK$175,987
+HK$8,812/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$334,350/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,236 · Scale 2, in force from 26 Feb 2026)