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$79,071
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,531
−HK$2,499/mo
Today · 4.125%
HK$84,030
baseline
▲ 0.50% · 4.625%
HK$89,143
+HK$5,113/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$168,060/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,966
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,325
−HK$2,394/mo
Today · 4.125%
HK$92,719
baseline
▲ 0.50% · 4.625%
HK$97,606
+HK$4,887/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$185,438/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,886
−HK$5,950/mo
▼ 0.25% · 3.875%
HK$97,837
−HK$2,999/mo
Today · 4.125%
HK$100,836
baseline
▲ 0.50% · 4.625%
HK$106,971
+HK$6,135/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$201,672/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,559
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$108,390
−HK$2,872/mo
Today · 4.125%
HK$111,262
baseline
▲ 0.50% · 4.625%
HK$117,127
+HK$5,865/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$222,524/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,700
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$114,143
−HK$3,499/mo
Today · 4.125%
HK$117,642
baseline
▲ 0.50% · 4.625%
HK$124,800
+HK$7,158/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$235,284/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,473,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,153
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$126,455
−HK$3,351/mo
Today · 4.125%
HK$129,806
baseline
▲ 0.50% · 4.625%
HK$136,648
+HK$6,842/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$259,612/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,473,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,329
−HK$8,925/mo
▼ 0.25% · 3.875%
HK$146,756
−HK$4,498/mo
Today · 4.125%
HK$151,254
baseline
▲ 0.50% · 4.625%
HK$160,457
+HK$9,203/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$302,508/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,339
−HK$8,555/mo
▼ 0.25% · 3.875%
HK$162,586
−HK$4,308/mo
Today · 4.125%
HK$166,894
baseline
▲ 0.50% · 4.625%
HK$175,691
+HK$8,797/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$333,788/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,753 · Scale 2, in force from 26 Feb 2026)