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$79,069
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,528
−HK$2,499/mo
Today · 4.125%
HK$84,027
baseline
▲ 0.50% · 4.625%
HK$89,140
+HK$5,113/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$168,054/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,963
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,322
−HK$2,393/mo
Today · 4.125%
HK$92,715
baseline
▲ 0.50% · 4.625%
HK$97,603
+HK$4,888/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$185,430/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,882
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$97,834
−HK$2,998/mo
Today · 4.125%
HK$100,832
baseline
▲ 0.50% · 4.625%
HK$106,968
+HK$6,136/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$201,664/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,556
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$108,387
−HK$2,872/mo
Today · 4.125%
HK$111,259
baseline
▲ 0.50% · 4.625%
HK$117,123
+HK$5,864/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$222,518/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,696
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$114,139
−HK$3,499/mo
Today · 4.125%
HK$117,638
baseline
▲ 0.50% · 4.625%
HK$124,796
+HK$7,158/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$235,276/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,473,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,148
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$126,451
−HK$3,351/mo
Today · 4.125%
HK$129,802
baseline
▲ 0.50% · 4.625%
HK$136,644
+HK$6,842/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$259,604/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,473,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,324
−HK$8,925/mo
▼ 0.25% · 3.875%
HK$146,751
−HK$4,498/mo
Today · 4.125%
HK$151,249
baseline
▲ 0.50% · 4.625%
HK$160,452
+HK$9,203/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$302,498/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,334
−HK$8,554/mo
▼ 0.25% · 3.875%
HK$162,580
−HK$4,308/mo
Today · 4.125%
HK$166,888
baseline
▲ 0.50% · 4.625%
HK$175,685
+HK$8,797/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$333,776/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,703 · Scale 2, in force from 26 Feb 2026)