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$79,117
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,578
−HK$2,500/mo
Today · 4.125%
HK$84,078
baseline
▲ 0.50% · 4.625%
HK$89,194
+HK$5,116/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$168,156/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,016
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,377
−HK$2,395/mo
Today · 4.125%
HK$92,772
baseline
▲ 0.50% · 4.625%
HK$97,662
+HK$4,890/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$185,544/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,940
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$97,893
−HK$3,001/mo
Today · 4.125%
HK$100,894
baseline
▲ 0.50% · 4.625%
HK$107,033
+HK$6,139/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$201,788/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,620
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,452
−HK$2,874/mo
Today · 4.125%
HK$111,326
baseline
▲ 0.50% · 4.625%
HK$117,194
+HK$5,868/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$222,652/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,763
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,209
−HK$3,500/mo
Today · 4.125%
HK$117,709
baseline
▲ 0.50% · 4.625%
HK$124,871
+HK$7,162/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$235,418/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,223
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,528
−HK$3,352/mo
Today · 4.125%
HK$129,880
baseline
▲ 0.50% · 4.625%
HK$136,727
+HK$6,847/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$259,760/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,410
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$146,840
−HK$4,500/mo
Today · 4.125%
HK$151,340
baseline
▲ 0.50% · 4.625%
HK$160,549
+HK$9,209/mo
Deposit HK$3.47M · loan HK$31.23M · min. income ≈ HK$302,680/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,430
−HK$8,559/mo
▼ 0.25% · 3.875%
HK$162,679
−HK$4,310/mo
Today · 4.125%
HK$166,989
baseline
▲ 0.50% · 4.625%
HK$175,791
+HK$8,802/mo
Deposit HK$3.47M · loan HK$31.23M · min. income ≈ HK$333,978/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,597 · Scale 2, in force from 26 Feb 2026)