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$79,404
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,874
−HK$2,510/mo
Today · 4.125%
HK$84,384
baseline
▲ 0.50% · 4.625%
HK$89,518
+HK$5,134/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$168,768/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,479,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,336
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,706
−HK$2,403/mo
Today · 4.125%
HK$93,109
baseline
▲ 0.50% · 4.625%
HK$98,017
+HK$4,908/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$186,218/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,479,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,285
−HK$5,975/mo
▼ 0.25% · 3.875%
HK$98,249
−HK$3,011/mo
Today · 4.125%
HK$101,260
baseline
▲ 0.50% · 4.625%
HK$107,422
+HK$6,162/mo
Deposit HK$13.93M · loan HK$20.89M · min. income ≈ HK$202,520/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,479,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,004
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$108,847
−HK$2,884/mo
Today · 4.125%
HK$111,731
baseline
▲ 0.50% · 4.625%
HK$117,620
+HK$5,889/mo
Deposit HK$13.93M · loan HK$20.89M · min. income ≈ HK$223,462/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,479,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,166
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$114,624
−HK$3,513/mo
Today · 4.125%
HK$118,137
baseline
▲ 0.50% · 4.625%
HK$125,325
+HK$7,188/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$236,274/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,479,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,671
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$126,988
−HK$3,365/mo
Today · 4.125%
HK$130,353
baseline
▲ 0.50% · 4.625%
HK$137,224
+HK$6,871/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$260,706/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,479,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,928
−HK$8,962/mo
▼ 0.25% · 3.875%
HK$147,374
−HK$4,516/mo
Today · 4.125%
HK$151,890
baseline
▲ 0.50% · 4.625%
HK$161,133
+HK$9,243/mo
Deposit HK$3.48M · loan HK$31.34M · min. income ≈ HK$303,780/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,006
−HK$8,590/mo
▼ 0.25% · 3.875%
HK$163,270
−HK$4,326/mo
Today · 4.125%
HK$167,596
baseline
▲ 0.50% · 4.625%
HK$176,430
+HK$8,834/mo
Deposit HK$3.48M · loan HK$31.34M · min. income ≈ HK$335,192/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,957 · Scale 2, in force from 26 Feb 2026)