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$79,258
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,724
−HK$2,505/mo
Today · 4.125%
HK$84,229
baseline
▲ 0.50% · 4.625%
HK$89,354
+HK$5,125/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$168,458/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,174
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,539
−HK$2,399/mo
Today · 4.125%
HK$92,938
baseline
▲ 0.50% · 4.625%
HK$97,837
+HK$4,899/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$185,876/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,110
−HK$5,964/mo
▼ 0.25% · 3.875%
HK$98,069
−HK$3,005/mo
Today · 4.125%
HK$101,074
baseline
▲ 0.50% · 4.625%
HK$107,225
+HK$6,151/mo
Deposit HK$13.90M · loan HK$20.86M · min. income ≈ HK$202,148/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,809
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$108,647
−HK$2,879/mo
Today · 4.125%
HK$111,526
baseline
▲ 0.50% · 4.625%
HK$117,404
+HK$5,878/mo
Deposit HK$13.90M · loan HK$20.86M · min. income ≈ HK$223,052/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,962
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,413
−HK$3,507/mo
Today · 4.125%
HK$117,920
baseline
▲ 0.50% · 4.625%
HK$125,095
+HK$7,175/mo
Deposit HK$10.43M · loan HK$24.33M · min. income ≈ HK$235,840/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,477,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,444
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$126,755
−HK$3,358/mo
Today · 4.125%
HK$130,113
baseline
▲ 0.50% · 4.625%
HK$136,972
+HK$6,859/mo
Deposit HK$10.43M · loan HK$24.33M · min. income ≈ HK$260,226/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,477,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,665
−HK$8,947/mo
▼ 0.25% · 3.875%
HK$147,103
−HK$4,509/mo
Today · 4.125%
HK$151,612
baseline
▲ 0.50% · 4.625%
HK$160,837
+HK$9,225/mo
Deposit HK$3.48M · loan HK$31.28M · min. income ≈ HK$303,224/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,714
−HK$8,575/mo
▼ 0.25% · 3.875%
HK$162,970
−HK$4,319/mo
Today · 4.125%
HK$167,289
baseline
▲ 0.50% · 4.625%
HK$176,107
+HK$8,818/mo
Deposit HK$3.48M · loan HK$31.28M · min. income ≈ HK$334,578/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,241 · Scale 2, in force from 26 Feb 2026)