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$79,407
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,877
−HK$2,510/mo
Today · 4.125%
HK$84,387
baseline
▲ 0.50% · 4.625%
HK$89,522
+HK$5,135/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$168,774/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,480,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,340
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,709
−HK$2,404/mo
Today · 4.125%
HK$93,113
baseline
▲ 0.50% · 4.625%
HK$98,021
+HK$4,908/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$186,226/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,480,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,289
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$98,253
−HK$3,011/mo
Today · 4.125%
HK$101,264
baseline
▲ 0.50% · 4.625%
HK$107,426
+HK$6,162/mo
Deposit HK$13.93M · loan HK$20.89M · min. income ≈ HK$202,528/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,480,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,008
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,851
−HK$2,884/mo
Today · 4.125%
HK$111,735
baseline
▲ 0.50% · 4.625%
HK$117,625
+HK$5,890/mo
Deposit HK$13.93M · loan HK$20.89M · min. income ≈ HK$223,470/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,480,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,170
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$114,628
−HK$3,514/mo
Today · 4.125%
HK$118,142
baseline
▲ 0.50% · 4.625%
HK$125,330
+HK$7,188/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$236,284/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,676
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$126,993
−HK$3,365/mo
Today · 4.125%
HK$130,358
baseline
▲ 0.50% · 4.625%
HK$137,229
+HK$6,871/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$260,716/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,933
−HK$8,963/mo
▼ 0.25% · 3.875%
HK$147,379
−HK$4,517/mo
Today · 4.125%
HK$151,896
baseline
▲ 0.50% · 4.625%
HK$161,139
+HK$9,243/mo
Deposit HK$3.48M · loan HK$31.34M · min. income ≈ HK$303,792/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,012
−HK$8,591/mo
▼ 0.25% · 3.875%
HK$163,276
−HK$4,327/mo
Today · 4.125%
HK$167,603
baseline
▲ 0.50% · 4.625%
HK$176,437
+HK$8,834/mo
Deposit HK$3.48M · loan HK$31.34M · min. income ≈ HK$335,206/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,015 · Scale 2, in force from 26 Feb 2026)