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$79,157
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,619
−HK$2,502/mo
Today · 4.125%
HK$84,121
baseline
▲ 0.50% · 4.625%
HK$89,240
+HK$5,119/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$168,242/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,062
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,423
−HK$2,396/mo
Today · 4.125%
HK$92,819
baseline
▲ 0.50% · 4.625%
HK$97,712
+HK$4,893/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$185,638/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,989
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,943
−HK$3,002/mo
Today · 4.125%
HK$100,945
baseline
▲ 0.50% · 4.625%
HK$107,088
+HK$6,143/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$201,890/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,674
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,508
−HK$2,875/mo
Today · 4.125%
HK$111,383
baseline
▲ 0.50% · 4.625%
HK$117,254
+HK$5,871/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$222,766/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,820
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$114,267
−HK$3,502/mo
Today · 4.125%
HK$117,769
baseline
▲ 0.50% · 4.625%
HK$124,935
+HK$7,166/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$235,538/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,286
−HK$6,661/mo
▼ 0.25% · 3.875%
HK$126,593
−HK$3,354/mo
Today · 4.125%
HK$129,947
baseline
▲ 0.50% · 4.625%
HK$136,797
+HK$6,850/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$259,894/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,483
−HK$8,935/mo
▼ 0.25% · 3.875%
HK$146,915
−HK$4,503/mo
Today · 4.125%
HK$151,418
baseline
▲ 0.50% · 4.625%
HK$160,631
+HK$9,213/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$302,836/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,511
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$162,762
−HK$4,313/mo
Today · 4.125%
HK$167,075
baseline
▲ 0.50% · 4.625%
HK$175,881
+HK$8,806/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$334,150/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,352 · Scale 2, in force from 26 Feb 2026)