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$79,119
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,580
−HK$2,500/mo
Today · 4.125%
HK$84,080
baseline
▲ 0.50% · 4.625%
HK$89,196
+HK$5,116/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$168,160/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,019
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,379
−HK$2,395/mo
Today · 4.125%
HK$92,774
baseline
▲ 0.50% · 4.625%
HK$97,664
+HK$4,890/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$185,548/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,943
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,896
−HK$3,000/mo
Today · 4.125%
HK$100,896
baseline
▲ 0.50% · 4.625%
HK$107,036
+HK$6,140/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$201,792/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,623
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,455
−HK$2,874/mo
Today · 4.125%
HK$111,329
baseline
▲ 0.50% · 4.625%
HK$117,197
+HK$5,868/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$222,658/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,766
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,212
−HK$3,500/mo
Today · 4.125%
HK$117,712
baseline
▲ 0.50% · 4.625%
HK$124,875
+HK$7,163/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$235,424/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,226
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$126,531
−HK$3,353/mo
Today · 4.125%
HK$129,884
baseline
▲ 0.50% · 4.625%
HK$136,730
+HK$6,846/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$259,768/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,414
−HK$8,930/mo
▼ 0.25% · 3.875%
HK$146,844
−HK$4,500/mo
Today · 4.125%
HK$151,344
baseline
▲ 0.50% · 4.625%
HK$160,553
+HK$9,209/mo
Deposit HK$3.47M · loan HK$31.23M · min. income ≈ HK$302,688/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,434
−HK$8,560/mo
▼ 0.25% · 3.875%
HK$162,683
−HK$4,311/mo
Today · 4.125%
HK$166,994
baseline
▲ 0.50% · 4.625%
HK$175,796
+HK$8,802/mo
Deposit HK$3.47M · loan HK$31.23M · min. income ≈ HK$333,988/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,636 · Scale 2, in force from 26 Feb 2026)