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$79,125
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,586
−HK$2,500/mo
Today · 4.125%
HK$84,086
baseline
▲ 0.50% · 4.625%
HK$89,203
+HK$5,117/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$168,172/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,025
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,386
−HK$2,395/mo
Today · 4.125%
HK$92,781
baseline
▲ 0.50% · 4.625%
HK$97,672
+HK$4,891/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$185,562/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,950
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$97,903
−HK$3,001/mo
Today · 4.125%
HK$100,904
baseline
▲ 0.50% · 4.625%
HK$107,043
+HK$6,139/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$201,808/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,630
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,463
−HK$2,874/mo
Today · 4.125%
HK$111,337
baseline
▲ 0.50% · 4.625%
HK$117,206
+HK$5,869/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$222,674/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,774
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$114,220
−HK$3,501/mo
Today · 4.125%
HK$117,721
baseline
▲ 0.50% · 4.625%
HK$124,884
+HK$7,163/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$235,442/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,235
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$126,541
−HK$3,352/mo
Today · 4.125%
HK$129,893
baseline
▲ 0.50% · 4.625%
HK$136,740
+HK$6,847/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$259,786/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,424
−HK$8,932/mo
▼ 0.25% · 3.875%
HK$146,854
−HK$4,502/mo
Today · 4.125%
HK$151,356
baseline
▲ 0.50% · 4.625%
HK$160,565
+HK$9,209/mo
Deposit HK$3.47M · loan HK$31.23M · min. income ≈ HK$302,712/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,446
−HK$8,560/mo
▼ 0.25% · 3.875%
HK$162,695
−HK$4,311/mo
Today · 4.125%
HK$167,006
baseline
▲ 0.50% · 4.625%
HK$175,809
+HK$8,803/mo
Deposit HK$3.47M · loan HK$31.23M · min. income ≈ HK$334,012/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,745 · Scale 2, in force from 26 Feb 2026)