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$79,143
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,605
−HK$2,501/mo
Today · 4.125%
HK$84,106
baseline
▲ 0.50% · 4.625%
HK$89,224
+HK$5,118/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$168,212/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,046
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,407
−HK$2,396/mo
Today · 4.125%
HK$92,803
baseline
▲ 0.50% · 4.625%
HK$97,694
+HK$4,891/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$185,606/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,972
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,926
−HK$3,001/mo
Today · 4.125%
HK$100,927
baseline
▲ 0.50% · 4.625%
HK$107,068
+HK$6,141/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$201,854/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,655
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,489
−HK$2,874/mo
Today · 4.125%
HK$111,363
baseline
▲ 0.50% · 4.625%
HK$117,233
+HK$5,870/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$222,726/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,800
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,247
−HK$3,501/mo
Today · 4.125%
HK$117,748
baseline
▲ 0.50% · 4.625%
HK$124,913
+HK$7,165/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$235,496/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,264
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$126,570
−HK$3,354/mo
Today · 4.125%
HK$129,924
baseline
▲ 0.50% · 4.625%
HK$136,772
+HK$6,848/mo
Deposit HK$10.41M · loan HK$24.30M · min. income ≈ HK$259,848/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,458
−HK$8,933/mo
▼ 0.25% · 3.875%
HK$146,889
−HK$4,502/mo
Today · 4.125%
HK$151,391
baseline
▲ 0.50% · 4.625%
HK$160,603
+HK$9,212/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$302,782/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,483
−HK$8,562/mo
▼ 0.25% · 3.875%
HK$162,733
−HK$4,312/mo
Today · 4.125%
HK$167,045
baseline
▲ 0.50% · 4.625%
HK$175,850
+HK$8,805/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$334,090/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,089 · Scale 2, in force from 26 Feb 2026)