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$79,551
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,025
−HK$2,514/mo
Today · 4.125%
HK$84,539
baseline
▲ 0.50% · 4.625%
HK$89,683
+HK$5,144/mo
Deposit HK$17.44M · loan HK$17.44M · min. income ≈ HK$169,078/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,482,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,499
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,873
−HK$2,408/mo
Today · 4.125%
HK$93,281
baseline
▲ 0.50% · 4.625%
HK$98,198
+HK$4,917/mo
Deposit HK$17.44M · loan HK$17.44M · min. income ≈ HK$186,562/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,482,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,461
−HK$5,986/mo
▼ 0.25% · 3.875%
HK$98,430
−HK$3,017/mo
Today · 4.125%
HK$101,447
baseline
▲ 0.50% · 4.625%
HK$107,620
+HK$6,173/mo
Deposit HK$13.95M · loan HK$20.93M · min. income ≈ HK$202,894/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,199
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,048
−HK$2,889/mo
Today · 4.125%
HK$111,937
baseline
▲ 0.50% · 4.625%
HK$117,837
+HK$5,900/mo
Deposit HK$13.95M · loan HK$20.93M · min. income ≈ HK$223,874/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,371
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,835
−HK$3,520/mo
Today · 4.125%
HK$118,355
baseline
▲ 0.50% · 4.625%
HK$125,557
+HK$7,202/mo
Deposit HK$10.47M · loan HK$24.42M · min. income ≈ HK$236,710/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,899
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,222
−HK$3,371/mo
Today · 4.125%
HK$130,593
baseline
▲ 0.50% · 4.625%
HK$137,477
+HK$6,884/mo
Deposit HK$10.47M · loan HK$24.42M · min. income ≈ HK$261,186/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,191
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$147,646
−HK$4,525/mo
Today · 4.125%
HK$152,171
baseline
▲ 0.50% · 4.625%
HK$161,430
+HK$9,259/mo
Deposit HK$3.49M · loan HK$31.40M · min. income ≈ HK$304,342/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,299
−HK$8,607/mo
▼ 0.25% · 3.875%
HK$163,571
−HK$4,335/mo
Today · 4.125%
HK$167,906
baseline
▲ 0.50% · 4.625%
HK$176,756
+HK$8,850/mo
Deposit HK$3.49M · loan HK$31.40M · min. income ≈ HK$335,812/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,689 · Scale 2, in force from 26 Feb 2026)