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$79,540
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,014
−HK$2,514/mo
Today · 4.125%
HK$84,528
baseline
▲ 0.50% · 4.625%
HK$89,671
+HK$5,143/mo
Deposit HK$17.44M · loan HK$17.44M · min. income ≈ HK$169,056/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,482,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,487
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,860
−HK$2,408/mo
Today · 4.125%
HK$93,268
baseline
▲ 0.50% · 4.625%
HK$98,184
+HK$4,916/mo
Deposit HK$17.44M · loan HK$17.44M · min. income ≈ HK$186,536/mo (50% DSR)
Upfront cash ≈ HK$18.92M (deposit + AVD stamp duty HK$1,482,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,448
−HK$5,985/mo
▼ 0.25% · 3.875%
HK$98,417
−HK$3,016/mo
Today · 4.125%
HK$101,433
baseline
▲ 0.50% · 4.625%
HK$107,605
+HK$6,172/mo
Deposit HK$13.95M · loan HK$20.93M · min. income ≈ HK$202,866/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,185
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$109,033
−HK$2,889/mo
Today · 4.125%
HK$111,922
baseline
▲ 0.50% · 4.625%
HK$117,821
+HK$5,899/mo
Deposit HK$13.95M · loan HK$20.93M · min. income ≈ HK$223,844/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,356
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$114,820
−HK$3,519/mo
Today · 4.125%
HK$118,339
baseline
▲ 0.50% · 4.625%
HK$125,539
+HK$7,200/mo
Deposit HK$10.46M · loan HK$24.42M · min. income ≈ HK$236,678/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,882
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$127,205
−HK$3,370/mo
Today · 4.125%
HK$130,575
baseline
▲ 0.50% · 4.625%
HK$137,458
+HK$6,883/mo
Deposit HK$10.46M · loan HK$24.42M · min. income ≈ HK$261,150/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,172
−HK$8,978/mo
▼ 0.25% · 3.875%
HK$147,625
−HK$4,525/mo
Today · 4.125%
HK$152,150
baseline
▲ 0.50% · 4.625%
HK$161,408
+HK$9,258/mo
Deposit HK$3.49M · loan HK$31.39M · min. income ≈ HK$304,300/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,277
−HK$8,605/mo
▼ 0.25% · 3.875%
HK$163,549
−HK$4,333/mo
Today · 4.125%
HK$167,882
baseline
▲ 0.50% · 4.625%
HK$176,732
+HK$8,850/mo
Deposit HK$3.49M · loan HK$31.39M · min. income ≈ HK$335,764/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,484 · Scale 2, in force from 26 Feb 2026)