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$79,405
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,875
−HK$2,509/mo
Today · 4.125%
HK$84,384
baseline
▲ 0.50% · 4.625%
HK$89,519
+HK$5,135/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$168,768/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,479,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,337
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,706
−HK$2,404/mo
Today · 4.125%
HK$93,110
baseline
▲ 0.50% · 4.625%
HK$98,018
+HK$4,908/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$186,220/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,479,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,286
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$98,250
−HK$3,011/mo
Today · 4.125%
HK$101,261
baseline
▲ 0.50% · 4.625%
HK$107,423
+HK$6,162/mo
Deposit HK$13.93M · loan HK$20.89M · min. income ≈ HK$202,522/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,479,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,005
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,848
−HK$2,884/mo
Today · 4.125%
HK$111,732
baseline
▲ 0.50% · 4.625%
HK$117,621
+HK$5,889/mo
Deposit HK$13.93M · loan HK$20.89M · min. income ≈ HK$223,464/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,479,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,167
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$114,625
−HK$3,513/mo
Today · 4.125%
HK$118,138
baseline
▲ 0.50% · 4.625%
HK$125,327
+HK$7,189/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$236,276/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,479,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,672
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$126,989
−HK$3,365/mo
Today · 4.125%
HK$130,354
baseline
▲ 0.50% · 4.625%
HK$137,225
+HK$6,871/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$260,708/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,479,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,929
−HK$8,963/mo
▼ 0.25% · 3.875%
HK$147,375
−HK$4,517/mo
Today · 4.125%
HK$151,892
baseline
▲ 0.50% · 4.625%
HK$161,134
+HK$9,242/mo
Deposit HK$3.48M · loan HK$31.34M · min. income ≈ HK$303,784/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,007
−HK$8,591/mo
▼ 0.25% · 3.875%
HK$163,272
−HK$4,326/mo
Today · 4.125%
HK$167,598
baseline
▲ 0.50% · 4.625%
HK$176,432
+HK$8,834/mo
Deposit HK$3.48M · loan HK$31.34M · min. income ≈ HK$335,196/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,972 · Scale 2, in force from 26 Feb 2026)