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$79,152
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,614
−HK$2,502/mo
Today · 4.125%
HK$84,116
baseline
▲ 0.50% · 4.625%
HK$89,234
+HK$5,118/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$168,232/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,056
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,418
−HK$2,396/mo
Today · 4.125%
HK$92,814
baseline
▲ 0.50% · 4.625%
HK$97,706
+HK$4,892/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$185,628/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,983
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,937
−HK$3,002/mo
Today · 4.125%
HK$100,939
baseline
▲ 0.50% · 4.625%
HK$107,081
+HK$6,142/mo
Deposit HK$13.88M · loan HK$20.83M · min. income ≈ HK$201,878/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,667
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,501
−HK$2,875/mo
Today · 4.125%
HK$111,376
baseline
▲ 0.50% · 4.625%
HK$117,247
+HK$5,871/mo
Deposit HK$13.88M · loan HK$20.83M · min. income ≈ HK$222,752/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,813
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$114,260
−HK$3,502/mo
Today · 4.125%
HK$117,762
baseline
▲ 0.50% · 4.625%
HK$124,928
+HK$7,166/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$235,524/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,279
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$126,585
−HK$3,354/mo
Today · 4.125%
HK$129,939
baseline
▲ 0.50% · 4.625%
HK$136,788
+HK$6,849/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$259,878/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,474
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$146,906
−HK$4,503/mo
Today · 4.125%
HK$151,409
baseline
▲ 0.50% · 4.625%
HK$160,621
+HK$9,212/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$302,818/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,501
−HK$8,563/mo
▼ 0.25% · 3.875%
HK$162,752
−HK$4,312/mo
Today · 4.125%
HK$167,064
baseline
▲ 0.50% · 4.625%
HK$175,871
+HK$8,807/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$334,128/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,262 · Scale 2, in force from 26 Feb 2026)