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$79,427
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,898
−HK$2,510/mo
Today · 4.125%
HK$84,408
baseline
▲ 0.50% · 4.625%
HK$89,544
+HK$5,136/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$168,816/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,362
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,732
−HK$2,404/mo
Today · 4.125%
HK$93,136
baseline
▲ 0.50% · 4.625%
HK$98,045
+HK$4,909/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$186,272/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,312
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,277
−HK$3,012/mo
Today · 4.125%
HK$101,289
baseline
▲ 0.50% · 4.625%
HK$107,453
+HK$6,164/mo
Deposit HK$13.93M · loan HK$20.90M · min. income ≈ HK$202,578/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,480,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,034
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,878
−HK$2,885/mo
Today · 4.125%
HK$111,763
baseline
▲ 0.50% · 4.625%
HK$117,654
+HK$5,891/mo
Deposit HK$13.93M · loan HK$20.90M · min. income ≈ HK$223,526/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,480,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,198
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$114,657
−HK$3,514/mo
Today · 4.125%
HK$118,171
baseline
▲ 0.50% · 4.625%
HK$125,361
+HK$7,190/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$236,342/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,706
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$127,024
−HK$3,366/mo
Today · 4.125%
HK$130,390
baseline
▲ 0.50% · 4.625%
HK$137,263
+HK$6,873/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$260,780/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,969
−HK$8,965/mo
▼ 0.25% · 3.875%
HK$147,416
−HK$4,518/mo
Today · 4.125%
HK$151,934
baseline
▲ 0.50% · 4.625%
HK$161,179
+HK$9,245/mo
Deposit HK$3.48M · loan HK$31.35M · min. income ≈ HK$303,868/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,051
−HK$8,593/mo
▼ 0.25% · 3.875%
HK$163,317
−HK$4,327/mo
Today · 4.125%
HK$167,644
baseline
▲ 0.50% · 4.625%
HK$176,481
+HK$8,837/mo
Deposit HK$3.48M · loan HK$31.35M · min. income ≈ HK$335,288/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,382 · Scale 2, in force from 26 Feb 2026)