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$79,478
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$81,951
−HK$2,511/mo
Today · 4.125%
HK$84,462
baseline
▲ 0.50% · 4.625%
HK$89,602
+HK$5,140/mo
Deposit HK$17.43M · loan HK$17.43M · min. income ≈ HK$168,924/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,481,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,419
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,790
−HK$2,406/mo
Today · 4.125%
HK$93,196
baseline
▲ 0.50% · 4.625%
HK$98,108
+HK$4,912/mo
Deposit HK$17.43M · loan HK$17.43M · min. income ≈ HK$186,392/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,481,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,374
−HK$5,981/mo
▼ 0.25% · 3.875%
HK$98,341
−HK$3,014/mo
Today · 4.125%
HK$101,355
baseline
▲ 0.50% · 4.625%
HK$107,522
+HK$6,167/mo
Deposit HK$13.94M · loan HK$20.91M · min. income ≈ HK$202,710/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,481,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,103
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$108,948
−HK$2,887/mo
Today · 4.125%
HK$111,835
baseline
▲ 0.50% · 4.625%
HK$117,730
+HK$5,895/mo
Deposit HK$13.94M · loan HK$20.91M · min. income ≈ HK$223,670/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,481,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,270
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$114,731
−HK$3,516/mo
Today · 4.125%
HK$118,247
baseline
▲ 0.50% · 4.625%
HK$125,443
+HK$7,196/mo
Deposit HK$10.46M · loan HK$24.40M · min. income ≈ HK$236,494/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,481,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,787
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$127,106
−HK$3,368/mo
Today · 4.125%
HK$130,474
baseline
▲ 0.50% · 4.625%
HK$137,352
+HK$6,878/mo
Deposit HK$10.46M · loan HK$24.40M · min. income ≈ HK$260,948/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,481,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,061
−HK$8,971/mo
▼ 0.25% · 3.875%
HK$147,511
−HK$4,521/mo
Today · 4.125%
HK$152,032
baseline
▲ 0.50% · 4.625%
HK$161,283
+HK$9,251/mo
Deposit HK$3.49M · loan HK$31.37M · min. income ≈ HK$304,064/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,481,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,154
−HK$8,599/mo
▼ 0.25% · 3.875%
HK$163,423
−HK$4,330/mo
Today · 4.125%
HK$167,753
baseline
▲ 0.50% · 4.625%
HK$176,595
+HK$8,842/mo
Deposit HK$3.49M · loan HK$31.37M · min. income ≈ HK$335,506/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,481,341 · Scale 2, in force from 26 Feb 2026)