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$79,178
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,641
−HK$2,502/mo
Today · 4.125%
HK$84,143
baseline
▲ 0.50% · 4.625%
HK$89,263
+HK$5,120/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$168,286/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,475,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,085
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,447
−HK$2,397/mo
Today · 4.125%
HK$92,844
baseline
▲ 0.50% · 4.625%
HK$97,738
+HK$4,894/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$185,688/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,475,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,014
−HK$5,958/mo
▼ 0.25% · 3.875%
HK$97,969
−HK$3,003/mo
Today · 4.125%
HK$100,972
baseline
▲ 0.50% · 4.625%
HK$107,116
+HK$6,144/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$201,944/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,475,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,702
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$108,537
−HK$2,876/mo
Today · 4.125%
HK$111,413
baseline
▲ 0.50% · 4.625%
HK$117,285
+HK$5,872/mo
Deposit HK$13.89M · loan HK$20.83M · min. income ≈ HK$222,826/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,475,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,849
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$114,297
−HK$3,504/mo
Today · 4.125%
HK$117,801
baseline
▲ 0.50% · 4.625%
HK$124,969
+HK$7,168/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$235,602/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,319
−HK$6,662/mo
▼ 0.25% · 3.875%
HK$126,626
−HK$3,355/mo
Today · 4.125%
HK$129,981
baseline
▲ 0.50% · 4.625%
HK$136,833
+HK$6,852/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$259,962/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,521
−HK$8,937/mo
▼ 0.25% · 3.875%
HK$146,954
−HK$4,504/mo
Today · 4.125%
HK$151,458
baseline
▲ 0.50% · 4.625%
HK$160,674
+HK$9,216/mo
Deposit HK$3.47M · loan HK$31.25M · min. income ≈ HK$302,916/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,553
−HK$8,566/mo
▼ 0.25% · 3.875%
HK$162,805
−HK$4,314/mo
Today · 4.125%
HK$167,119
baseline
▲ 0.50% · 4.625%
HK$175,928
+HK$8,809/mo
Deposit HK$3.47M · loan HK$31.25M · min. income ≈ HK$334,238/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,743 · Scale 2, in force from 26 Feb 2026)