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$79,383
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,852
−HK$2,509/mo
Today · 4.125%
HK$84,361
baseline
▲ 0.50% · 4.625%
HK$89,494
+HK$5,133/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$168,722/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,479,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,313
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,681
−HK$2,403/mo
Today · 4.125%
HK$93,084
baseline
▲ 0.50% · 4.625%
HK$97,990
+HK$4,906/mo
Deposit HK$17.41M · loan HK$17.41M · min. income ≈ HK$186,168/mo (50% DSR)
Upfront cash ≈ HK$18.89M (deposit + AVD stamp duty HK$1,479,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,259
−HK$5,974/mo
▼ 0.25% · 3.875%
HK$98,222
−HK$3,011/mo
Today · 4.125%
HK$101,233
baseline
▲ 0.50% · 4.625%
HK$107,393
+HK$6,160/mo
Deposit HK$13.93M · loan HK$20.89M · min. income ≈ HK$202,466/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,479,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,975
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$108,817
−HK$2,884/mo
Today · 4.125%
HK$111,701
baseline
▲ 0.50% · 4.625%
HK$117,588
+HK$5,887/mo
Deposit HK$13.93M · loan HK$20.89M · min. income ≈ HK$223,402/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,479,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,136
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,593
−HK$3,512/mo
Today · 4.125%
HK$118,105
baseline
▲ 0.50% · 4.625%
HK$125,291
+HK$7,186/mo
Deposit HK$10.44M · loan HK$24.37M · min. income ≈ HK$236,210/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,479,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,638
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,953
−HK$3,364/mo
Today · 4.125%
HK$130,317
baseline
▲ 0.50% · 4.625%
HK$137,186
+HK$6,869/mo
Deposit HK$10.44M · loan HK$24.37M · min. income ≈ HK$260,634/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,479,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,889
−HK$8,960/mo
▼ 0.25% · 3.875%
HK$147,334
−HK$4,515/mo
Today · 4.125%
HK$151,849
baseline
▲ 0.50% · 4.625%
HK$161,089
+HK$9,240/mo
Deposit HK$3.48M · loan HK$31.33M · min. income ≈ HK$303,698/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,963
−HK$8,588/mo
▼ 0.25% · 3.875%
HK$163,226
−HK$4,325/mo
Today · 4.125%
HK$167,551
baseline
▲ 0.50% · 4.625%
HK$176,383
+HK$8,832/mo
Deposit HK$3.48M · loan HK$31.33M · min. income ≈ HK$335,102/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,556 · Scale 2, in force from 26 Feb 2026)