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$79,622
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,099
−HK$2,516/mo
Today · 4.125%
HK$84,615
baseline
▲ 0.50% · 4.625%
HK$89,764
+HK$5,149/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$169,230/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,484,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,579
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,954
−HK$2,411/mo
Today · 4.125%
HK$93,365
baseline
▲ 0.50% · 4.625%
HK$98,286
+HK$4,921/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$186,730/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,484,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,547
−HK$5,991/mo
▼ 0.25% · 3.875%
HK$98,519
−HK$3,019/mo
Today · 4.125%
HK$101,538
baseline
▲ 0.50% · 4.625%
HK$107,717
+HK$6,179/mo
Deposit HK$13.97M · loan HK$20.95M · min. income ≈ HK$203,076/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,484,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,295
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$109,145
−HK$2,892/mo
Today · 4.125%
HK$112,037
baseline
▲ 0.50% · 4.625%
HK$117,943
+HK$5,906/mo
Deposit HK$13.97M · loan HK$20.95M · min. income ≈ HK$224,074/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,484,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,471
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$114,938
−HK$3,523/mo
Today · 4.125%
HK$118,461
baseline
▲ 0.50% · 4.625%
HK$125,669
+HK$7,208/mo
Deposit HK$10.48M · loan HK$24.44M · min. income ≈ HK$236,922/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,010
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$127,336
−HK$3,374/mo
Today · 4.125%
HK$130,710
baseline
▲ 0.50% · 4.625%
HK$137,600
+HK$6,890/mo
Deposit HK$10.48M · loan HK$24.44M · min. income ≈ HK$261,420/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,320
−HK$8,987/mo
▼ 0.25% · 3.875%
HK$147,778
−HK$4,529/mo
Today · 4.125%
HK$152,307
baseline
▲ 0.50% · 4.625%
HK$161,575
+HK$9,268/mo
Deposit HK$3.49M · loan HK$31.43M · min. income ≈ HK$304,614/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,442
−HK$8,614/mo
▼ 0.25% · 3.875%
HK$163,718
−HK$4,338/mo
Today · 4.125%
HK$168,056
baseline
▲ 0.50% · 4.625%
HK$176,915
+HK$8,859/mo
Deposit HK$3.49M · loan HK$31.43M · min. income ≈ HK$336,112/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,019 · Scale 2, in force from 26 Feb 2026)