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$79,084
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,544
−HK$2,499/mo
Today · 4.125%
HK$84,043
baseline
▲ 0.50% · 4.625%
HK$89,157
+HK$5,114/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$168,086/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,980
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,339
−HK$2,394/mo
Today · 4.125%
HK$92,733
baseline
▲ 0.50% · 4.625%
HK$97,621
+HK$4,888/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$185,466/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,900
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,852
−HK$2,999/mo
Today · 4.125%
HK$100,851
baseline
▲ 0.50% · 4.625%
HK$106,988
+HK$6,137/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$201,702/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,473,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,576
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$108,407
−HK$2,873/mo
Today · 4.125%
HK$111,280
baseline
▲ 0.50% · 4.625%
HK$117,145
+HK$5,865/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$222,560/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,473,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,717
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$114,161
−HK$3,499/mo
Today · 4.125%
HK$117,660
baseline
▲ 0.50% · 4.625%
HK$124,819
+HK$7,159/mo
Deposit HK$10.40M · loan HK$24.28M · min. income ≈ HK$235,320/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,473,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,172
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$126,475
−HK$3,351/mo
Today · 4.125%
HK$129,826
baseline
▲ 0.50% · 4.625%
HK$136,670
+HK$6,844/mo
Deposit HK$10.40M · loan HK$24.28M · min. income ≈ HK$259,652/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,473,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,351
−HK$8,926/mo
▼ 0.25% · 3.875%
HK$146,778
−HK$4,499/mo
Today · 4.125%
HK$151,277
baseline
▲ 0.50% · 4.625%
HK$160,482
+HK$9,205/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$302,554/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,364
−HK$8,555/mo
▼ 0.25% · 3.875%
HK$162,611
−HK$4,308/mo
Today · 4.125%
HK$166,919
baseline
▲ 0.50% · 4.625%
HK$175,718
+HK$8,799/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$333,838/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,982 · Scale 2, in force from 26 Feb 2026)