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$79,146
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,608
−HK$2,502/mo
Today · 4.125%
HK$84,110
baseline
▲ 0.50% · 4.625%
HK$89,227
+HK$5,117/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$168,220/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,050
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,411
−HK$2,396/mo
Today · 4.125%
HK$92,807
baseline
▲ 0.50% · 4.625%
HK$97,699
+HK$4,892/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$185,614/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,976
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,930
−HK$3,002/mo
Today · 4.125%
HK$100,932
baseline
▲ 0.50% · 4.625%
HK$107,073
+HK$6,141/mo
Deposit HK$13.88M · loan HK$20.83M · min. income ≈ HK$201,864/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,660
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,493
−HK$2,875/mo
Today · 4.125%
HK$111,368
baseline
▲ 0.50% · 4.625%
HK$117,238
+HK$5,870/mo
Deposit HK$13.88M · loan HK$20.83M · min. income ≈ HK$222,736/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,805
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,252
−HK$3,501/mo
Today · 4.125%
HK$117,753
baseline
▲ 0.50% · 4.625%
HK$124,918
+HK$7,165/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$235,506/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,269
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$126,576
−HK$3,353/mo
Today · 4.125%
HK$129,929
baseline
▲ 0.50% · 4.625%
HK$136,778
+HK$6,849/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$259,858/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,464
−HK$8,933/mo
▼ 0.25% · 3.875%
HK$146,895
−HK$4,502/mo
Today · 4.125%
HK$151,397
baseline
▲ 0.50% · 4.625%
HK$160,609
+HK$9,212/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$302,794/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,489
−HK$8,563/mo
▼ 0.25% · 3.875%
HK$162,740
−HK$4,312/mo
Today · 4.125%
HK$167,052
baseline
▲ 0.50% · 4.625%
HK$175,858
+HK$8,806/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$334,104/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,152 · Scale 2, in force from 26 Feb 2026)