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$79,356
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,824
−HK$2,508/mo
Today · 4.125%
HK$84,332
baseline
▲ 0.50% · 4.625%
HK$89,464
+HK$5,132/mo
Deposit HK$17.40M · loan HK$17.40M · min. income ≈ HK$168,664/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,479,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,283
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,650
−HK$2,402/mo
Today · 4.125%
HK$93,052
baseline
▲ 0.50% · 4.625%
HK$97,957
+HK$4,905/mo
Deposit HK$17.40M · loan HK$17.40M · min. income ≈ HK$186,104/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,479,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,227
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$98,189
−HK$3,010/mo
Today · 4.125%
HK$101,199
baseline
▲ 0.50% · 4.625%
HK$107,356
+HK$6,157/mo
Deposit HK$13.92M · loan HK$20.88M · min. income ≈ HK$202,398/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,479,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,939
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$108,780
−HK$2,883/mo
Today · 4.125%
HK$111,663
baseline
▲ 0.50% · 4.625%
HK$117,549
+HK$5,886/mo
Deposit HK$13.92M · loan HK$20.88M · min. income ≈ HK$223,326/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,479,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,098
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$114,554
−HK$3,511/mo
Today · 4.125%
HK$118,065
baseline
▲ 0.50% · 4.625%
HK$125,249
+HK$7,184/mo
Deposit HK$10.44M · loan HK$24.36M · min. income ≈ HK$236,130/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,479,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,596
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$126,910
−HK$3,363/mo
Today · 4.125%
HK$130,273
baseline
▲ 0.50% · 4.625%
HK$137,140
+HK$6,867/mo
Deposit HK$10.44M · loan HK$24.36M · min. income ≈ HK$260,546/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,479,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,841
−HK$8,957/mo
▼ 0.25% · 3.875%
HK$147,284
−HK$4,514/mo
Today · 4.125%
HK$151,798
baseline
▲ 0.50% · 4.625%
HK$161,034
+HK$9,236/mo
Deposit HK$3.48M · loan HK$31.32M · min. income ≈ HK$303,596/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,909
−HK$8,585/mo
▼ 0.25% · 3.875%
HK$163,171
−HK$4,323/mo
Today · 4.125%
HK$167,494
baseline
▲ 0.50% · 4.625%
HK$176,323
+HK$8,829/mo
Deposit HK$3.48M · loan HK$31.32M · min. income ≈ HK$334,988/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,055 · Scale 2, in force from 26 Feb 2026)