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$79,453
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,924
−HK$2,511/mo
Today · 4.125%
HK$84,435
baseline
▲ 0.50% · 4.625%
HK$89,573
+HK$5,138/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$168,870/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,390
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,761
−HK$2,405/mo
Today · 4.125%
HK$93,166
baseline
▲ 0.50% · 4.625%
HK$98,077
+HK$4,911/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$186,332/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,343
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$98,309
−HK$3,013/mo
Today · 4.125%
HK$101,322
baseline
▲ 0.50% · 4.625%
HK$107,487
+HK$6,165/mo
Deposit HK$13.94M · loan HK$20.91M · min. income ≈ HK$202,644/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,480,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,069
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$108,913
−HK$2,886/mo
Today · 4.125%
HK$111,799
baseline
▲ 0.50% · 4.625%
HK$117,692
+HK$5,893/mo
Deposit HK$13.94M · loan HK$20.91M · min. income ≈ HK$223,598/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,480,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,234
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$114,694
−HK$3,515/mo
Today · 4.125%
HK$118,209
baseline
▲ 0.50% · 4.625%
HK$125,402
+HK$7,193/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$236,418/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,747
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$127,065
−HK$3,367/mo
Today · 4.125%
HK$130,432
baseline
▲ 0.50% · 4.625%
HK$137,307
+HK$6,875/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$260,864/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,015
−HK$8,968/mo
▼ 0.25% · 3.875%
HK$147,464
−HK$4,519/mo
Today · 4.125%
HK$151,983
baseline
▲ 0.50% · 4.625%
HK$161,231
+HK$9,248/mo
Deposit HK$3.48M · loan HK$31.36M · min. income ≈ HK$303,966/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,480,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,103
−HK$8,596/mo
▼ 0.25% · 3.875%
HK$163,370
−HK$4,329/mo
Today · 4.125%
HK$167,699
baseline
▲ 0.50% · 4.625%
HK$176,538
+HK$8,839/mo
Deposit HK$3.48M · loan HK$31.36M · min. income ≈ HK$335,398/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,480,862 · Scale 2, in force from 26 Feb 2026)