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$79,253
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,718
−HK$2,505/mo
Today · 4.125%
HK$84,223
baseline
▲ 0.50% · 4.625%
HK$89,348
+HK$5,125/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$168,446/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,168
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,533
−HK$2,399/mo
Today · 4.125%
HK$92,932
baseline
▲ 0.50% · 4.625%
HK$97,830
+HK$4,898/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$185,864/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,104
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,062
−HK$3,006/mo
Today · 4.125%
HK$101,068
baseline
▲ 0.50% · 4.625%
HK$107,217
+HK$6,149/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$202,136/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,802
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$108,639
−HK$2,879/mo
Today · 4.125%
HK$111,518
baseline
▲ 0.50% · 4.625%
HK$117,396
+HK$5,878/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$223,036/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,954
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,406
−HK$3,506/mo
Today · 4.125%
HK$117,912
baseline
▲ 0.50% · 4.625%
HK$125,087
+HK$7,175/mo
Deposit HK$10.43M · loan HK$24.33M · min. income ≈ HK$235,824/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,477,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,436
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$126,746
−HK$3,358/mo
Today · 4.125%
HK$130,104
baseline
▲ 0.50% · 4.625%
HK$136,962
+HK$6,858/mo
Deposit HK$10.43M · loan HK$24.33M · min. income ≈ HK$260,208/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,477,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,656
−HK$8,945/mo
▼ 0.25% · 3.875%
HK$147,093
−HK$4,508/mo
Today · 4.125%
HK$151,601
baseline
▲ 0.50% · 4.625%
HK$160,826
+HK$9,225/mo
Deposit HK$3.48M · loan HK$31.28M · min. income ≈ HK$303,202/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,703
−HK$8,574/mo
▼ 0.25% · 3.875%
HK$162,959
−HK$4,318/mo
Today · 4.125%
HK$167,277
baseline
▲ 0.50% · 4.625%
HK$176,094
+HK$8,817/mo
Deposit HK$3.48M · loan HK$31.28M · min. income ≈ HK$334,554/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,139 · Scale 2, in force from 26 Feb 2026)