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$79,658
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,136
−HK$2,517/mo
Today · 4.125%
HK$84,653
baseline
▲ 0.50% · 4.625%
HK$89,804
+HK$5,151/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$169,306/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,484,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,619
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,995
−HK$2,411/mo
Today · 4.125%
HK$93,406
baseline
▲ 0.50% · 4.625%
HK$98,330
+HK$4,924/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$186,812/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,484,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,590
−HK$5,994/mo
▼ 0.25% · 3.875%
HK$98,563
−HK$3,021/mo
Today · 4.125%
HK$101,584
baseline
▲ 0.50% · 4.625%
HK$107,765
+HK$6,181/mo
Deposit HK$13.97M · loan HK$20.96M · min. income ≈ HK$203,168/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,342
−HK$5,746/mo
▼ 0.25% · 3.875%
HK$109,194
−HK$2,894/mo
Today · 4.125%
HK$112,088
baseline
▲ 0.50% · 4.625%
HK$117,996
+HK$5,908/mo
Deposit HK$13.97M · loan HK$20.96M · min. income ≈ HK$224,176/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,484,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,521
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,990
−HK$3,524/mo
Today · 4.125%
HK$118,514
baseline
▲ 0.50% · 4.625%
HK$125,726
+HK$7,212/mo
Deposit HK$10.48M · loan HK$24.45M · min. income ≈ HK$237,028/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,066
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,394
−HK$3,375/mo
Today · 4.125%
HK$130,769
baseline
▲ 0.50% · 4.625%
HK$137,662
+HK$6,893/mo
Deposit HK$10.48M · loan HK$24.45M · min. income ≈ HK$261,538/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,384
−HK$8,992/mo
▼ 0.25% · 3.875%
HK$147,844
−HK$4,532/mo
Today · 4.125%
HK$152,376
baseline
▲ 0.50% · 4.625%
HK$161,647
+HK$9,271/mo
Deposit HK$3.49M · loan HK$31.44M · min. income ≈ HK$304,752/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,514
−HK$8,618/mo
▼ 0.25% · 3.875%
HK$163,792
−HK$4,340/mo
Today · 4.125%
HK$168,132
baseline
▲ 0.50% · 4.625%
HK$176,994
+HK$8,862/mo
Deposit HK$3.49M · loan HK$31.44M · min. income ≈ HK$336,264/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,686 · Scale 2, in force from 26 Feb 2026)