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$79,493
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,966
−HK$2,512/mo
Today · 4.125%
HK$84,478
baseline
▲ 0.50% · 4.625%
HK$89,618
+HK$5,140/mo
Deposit HK$17.43M · loan HK$17.43M · min. income ≈ HK$168,956/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,481,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,435
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$90,807
−HK$2,406/mo
Today · 4.125%
HK$93,213
baseline
▲ 0.50% · 4.625%
HK$98,126
+HK$4,913/mo
Deposit HK$17.43M · loan HK$17.43M · min. income ≈ HK$186,426/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,481,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,391
−HK$5,982/mo
▼ 0.25% · 3.875%
HK$98,359
−HK$3,014/mo
Today · 4.125%
HK$101,373
baseline
▲ 0.50% · 4.625%
HK$107,542
+HK$6,169/mo
Deposit HK$13.94M · loan HK$20.92M · min. income ≈ HK$202,746/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,481,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,122
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$108,968
−HK$2,887/mo
Today · 4.125%
HK$111,855
baseline
▲ 0.50% · 4.625%
HK$117,751
+HK$5,896/mo
Deposit HK$13.94M · loan HK$20.92M · min. income ≈ HK$223,710/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,481,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,290
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,752
−HK$3,517/mo
Today · 4.125%
HK$118,269
baseline
▲ 0.50% · 4.625%
HK$125,465
+HK$7,196/mo
Deposit HK$10.46M · loan HK$24.40M · min. income ≈ HK$236,538/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,481,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,809
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$127,129
−HK$3,369/mo
Today · 4.125%
HK$130,498
baseline
▲ 0.50% · 4.625%
HK$137,377
+HK$6,879/mo
Deposit HK$10.46M · loan HK$24.40M · min. income ≈ HK$260,996/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,481,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,087
−HK$8,973/mo
▼ 0.25% · 3.875%
HK$147,538
−HK$4,522/mo
Today · 4.125%
HK$152,060
baseline
▲ 0.50% · 4.625%
HK$161,312
+HK$9,252/mo
Deposit HK$3.49M · loan HK$31.38M · min. income ≈ HK$304,120/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,481,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,183
−HK$8,600/mo
▼ 0.25% · 3.875%
HK$163,452
−HK$4,331/mo
Today · 4.125%
HK$167,783
baseline
▲ 0.50% · 4.625%
HK$176,627
+HK$8,844/mo
Deposit HK$3.49M · loan HK$31.38M · min. income ≈ HK$335,566/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,481,608 · Scale 2, in force from 26 Feb 2026)