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$79,318
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,786
−HK$2,506/mo
Today · 4.125%
HK$84,292
baseline
▲ 0.50% · 4.625%
HK$89,421
+HK$5,129/mo
Deposit HK$17.39M · loan HK$17.39M · min. income ≈ HK$168,584/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,478,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,241
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,607
−HK$2,401/mo
Today · 4.125%
HK$93,008
baseline
▲ 0.50% · 4.625%
HK$97,911
+HK$4,903/mo
Deposit HK$17.39M · loan HK$17.39M · min. income ≈ HK$186,016/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,478,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,182
−HK$5,969/mo
▼ 0.25% · 3.875%
HK$98,143
−HK$3,008/mo
Today · 4.125%
HK$101,151
baseline
▲ 0.50% · 4.625%
HK$107,305
+HK$6,154/mo
Deposit HK$13.91M · loan HK$20.87M · min. income ≈ HK$202,302/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,478,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,889
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$108,729
−HK$2,881/mo
Today · 4.125%
HK$111,610
baseline
▲ 0.50% · 4.625%
HK$117,493
+HK$5,883/mo
Deposit HK$13.91M · loan HK$20.87M · min. income ≈ HK$223,220/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,478,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,046
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,500
−HK$3,509/mo
Today · 4.125%
HK$118,009
baseline
▲ 0.50% · 4.625%
HK$125,190
+HK$7,181/mo
Deposit HK$10.44M · loan HK$24.35M · min. income ≈ HK$236,018/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,478,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,537
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,850
−HK$3,361/mo
Today · 4.125%
HK$130,211
baseline
▲ 0.50% · 4.625%
HK$137,075
+HK$6,864/mo
Deposit HK$10.44M · loan HK$24.35M · min. income ≈ HK$260,422/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,478,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,773
−HK$8,953/mo
▼ 0.25% · 3.875%
HK$147,214
−HK$4,512/mo
Today · 4.125%
HK$151,726
baseline
▲ 0.50% · 4.625%
HK$160,958
+HK$9,232/mo
Deposit HK$3.48M · loan HK$31.31M · min. income ≈ HK$303,452/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,478,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,833
−HK$8,582/mo
▼ 0.25% · 3.875%
HK$163,093
−HK$4,322/mo
Today · 4.125%
HK$167,415
baseline
▲ 0.50% · 4.625%
HK$176,239
+HK$8,824/mo
Deposit HK$3.48M · loan HK$31.31M · min. income ≈ HK$334,830/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,478,355 · Scale 2, in force from 26 Feb 2026)