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$79,217
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,681
−HK$2,504/mo
Today · 4.125%
HK$84,185
baseline
▲ 0.50% · 4.625%
HK$89,307
+HK$5,122/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$168,370/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,129
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,492
−HK$2,398/mo
Today · 4.125%
HK$92,890
baseline
▲ 0.50% · 4.625%
HK$97,786
+HK$4,896/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$185,780/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,061
−HK$5,961/mo
▼ 0.25% · 3.875%
HK$98,018
−HK$3,004/mo
Today · 4.125%
HK$101,022
baseline
▲ 0.50% · 4.625%
HK$107,169
+HK$6,147/mo
Deposit HK$13.90M · loan HK$20.84M · min. income ≈ HK$202,044/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,754
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$108,591
−HK$2,877/mo
Today · 4.125%
HK$111,468
baseline
▲ 0.50% · 4.625%
HK$117,343
+HK$5,875/mo
Deposit HK$13.90M · loan HK$20.84M · min. income ≈ HK$222,936/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,904
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$114,354
−HK$3,505/mo
Today · 4.125%
HK$117,859
baseline
▲ 0.50% · 4.625%
HK$125,030
+HK$7,171/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$235,718/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,380
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,689
−HK$3,357/mo
Today · 4.125%
HK$130,046
baseline
▲ 0.50% · 4.625%
HK$136,901
+HK$6,855/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$260,092/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,591
−HK$8,942/mo
▼ 0.25% · 3.875%
HK$147,027
−HK$4,506/mo
Today · 4.125%
HK$151,533
baseline
▲ 0.50% · 4.625%
HK$160,753
+HK$9,220/mo
Deposit HK$3.47M · loan HK$31.27M · min. income ≈ HK$303,066/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,631
−HK$8,571/mo
▼ 0.25% · 3.875%
HK$162,886
−HK$4,316/mo
Today · 4.125%
HK$167,202
baseline
▲ 0.50% · 4.625%
HK$176,015
+HK$8,813/mo
Deposit HK$3.47M · loan HK$31.27M · min. income ≈ HK$334,404/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,474 · Scale 2, in force from 26 Feb 2026)