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$79,046
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,505
−HK$2,498/mo
Today · 4.125%
HK$84,003
baseline
▲ 0.50% · 4.625%
HK$89,114
+HK$5,111/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$168,006/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,938
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,297
−HK$2,392/mo
Today · 4.125%
HK$92,689
baseline
▲ 0.50% · 4.625%
HK$97,575
+HK$4,886/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$185,378/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,855
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,806
−HK$2,998/mo
Today · 4.125%
HK$100,804
baseline
▲ 0.50% · 4.625%
HK$106,937
+HK$6,133/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$201,608/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,526
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,356
−HK$2,871/mo
Today · 4.125%
HK$111,227
baseline
▲ 0.50% · 4.625%
HK$117,090
+HK$5,863/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$222,454/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,665
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$114,107
−HK$3,497/mo
Today · 4.125%
HK$117,604
baseline
▲ 0.50% · 4.625%
HK$124,760
+HK$7,156/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$235,208/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,113
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,415
−HK$3,350/mo
Today · 4.125%
HK$129,765
baseline
▲ 0.50% · 4.625%
HK$136,605
+HK$6,840/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$259,530/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,283
−HK$8,923/mo
▼ 0.25% · 3.875%
HK$146,709
−HK$4,497/mo
Today · 4.125%
HK$151,206
baseline
▲ 0.50% · 4.625%
HK$160,406
+HK$9,200/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$302,412/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,289
−HK$8,551/mo
▼ 0.25% · 3.875%
HK$162,534
−HK$4,306/mo
Today · 4.125%
HK$166,840
baseline
▲ 0.50% · 4.625%
HK$175,635
+HK$8,795/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$333,680/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,283 · Scale 2, in force from 26 Feb 2026)