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$79,154
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,616
−HK$2,501/mo
Today · 4.125%
HK$84,117
baseline
▲ 0.50% · 4.625%
HK$89,236
+HK$5,119/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$168,234/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,058
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,419
−HK$2,396/mo
Today · 4.125%
HK$92,815
baseline
▲ 0.50% · 4.625%
HK$97,708
+HK$4,893/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$185,630/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,985
−HK$5,956/mo
▼ 0.25% · 3.875%
HK$97,939
−HK$3,002/mo
Today · 4.125%
HK$100,941
baseline
▲ 0.50% · 4.625%
HK$107,083
+HK$6,142/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$201,882/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,669
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$108,503
−HK$2,875/mo
Today · 4.125%
HK$111,378
baseline
▲ 0.50% · 4.625%
HK$117,249
+HK$5,871/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$222,756/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,815
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$114,262
−HK$3,502/mo
Today · 4.125%
HK$117,764
baseline
▲ 0.50% · 4.625%
HK$124,930
+HK$7,166/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$235,528/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,281
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$126,587
−HK$3,354/mo
Today · 4.125%
HK$129,941
baseline
▲ 0.50% · 4.625%
HK$136,791
+HK$6,850/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$259,882/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,477
−HK$8,934/mo
▼ 0.25% · 3.875%
HK$146,909
−HK$4,502/mo
Today · 4.125%
HK$151,411
baseline
▲ 0.50% · 4.625%
HK$160,624
+HK$9,213/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$302,822/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,504
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$162,755
−HK$4,313/mo
Today · 4.125%
HK$167,068
baseline
▲ 0.50% · 4.625%
HK$175,874
+HK$8,806/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$334,136/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,289 · Scale 2, in force from 26 Feb 2026)