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$79,611
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,087
−HK$2,516/mo
Today · 4.125%
HK$84,603
baseline
▲ 0.50% · 4.625%
HK$89,751
+HK$5,148/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$169,206/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,483,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,566
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,942
−HK$2,409/mo
Today · 4.125%
HK$93,351
baseline
▲ 0.50% · 4.625%
HK$98,272
+HK$4,921/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$186,702/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,483,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,533
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$98,505
−HK$3,019/mo
Today · 4.125%
HK$101,524
baseline
▲ 0.50% · 4.625%
HK$107,702
+HK$6,178/mo
Deposit HK$13.97M · loan HK$20.95M · min. income ≈ HK$203,048/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,483,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,280
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$109,130
−HK$2,892/mo
Today · 4.125%
HK$112,022
baseline
▲ 0.50% · 4.625%
HK$117,927
+HK$5,905/mo
Deposit HK$13.97M · loan HK$20.95M · min. income ≈ HK$224,044/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,483,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,455
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$114,922
−HK$3,523/mo
Today · 4.125%
HK$118,445
baseline
▲ 0.50% · 4.625%
HK$125,652
+HK$7,207/mo
Deposit HK$10.47M · loan HK$24.44M · min. income ≈ HK$236,890/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,483,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,993
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,319
−HK$3,373/mo
Today · 4.125%
HK$130,692
baseline
▲ 0.50% · 4.625%
HK$137,581
+HK$6,889/mo
Deposit HK$10.47M · loan HK$24.44M · min. income ≈ HK$261,384/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,483,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,300
−HK$8,986/mo
▼ 0.25% · 3.875%
HK$147,757
−HK$4,529/mo
Today · 4.125%
HK$152,286
baseline
▲ 0.50% · 4.625%
HK$161,552
+HK$9,266/mo
Deposit HK$3.49M · loan HK$31.42M · min. income ≈ HK$304,572/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,483,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,420
−HK$8,613/mo
▼ 0.25% · 3.875%
HK$163,695
−HK$4,338/mo
Today · 4.125%
HK$168,033
baseline
▲ 0.50% · 4.625%
HK$176,890
+HK$8,857/mo
Deposit HK$3.49M · loan HK$31.42M · min. income ≈ HK$336,066/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,483,812 · Scale 2, in force from 26 Feb 2026)