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$79,567
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,042
−HK$2,515/mo
Today · 4.125%
HK$84,557
baseline
▲ 0.50% · 4.625%
HK$89,702
+HK$5,145/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$169,114/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,482,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,518
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,892
−HK$2,408/mo
Today · 4.125%
HK$93,300
baseline
▲ 0.50% · 4.625%
HK$98,218
+HK$4,918/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$186,600/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,482,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,481
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,451
−HK$3,017/mo
Today · 4.125%
HK$101,468
baseline
▲ 0.50% · 4.625%
HK$107,642
+HK$6,174/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$202,936/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,222
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,070
−HK$2,890/mo
Today · 4.125%
HK$111,960
baseline
▲ 0.50% · 4.625%
HK$117,862
+HK$5,902/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$223,920/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,394
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$114,859
−HK$3,521/mo
Today · 4.125%
HK$118,380
baseline
▲ 0.50% · 4.625%
HK$125,583
+HK$7,203/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$236,760/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,925
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$127,249
−HK$3,371/mo
Today · 4.125%
HK$130,620
baseline
▲ 0.50% · 4.625%
HK$137,506
+HK$6,886/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$261,240/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,221
−HK$8,982/mo
▼ 0.25% · 3.875%
HK$147,676
−HK$4,527/mo
Today · 4.125%
HK$152,203
baseline
▲ 0.50% · 4.625%
HK$161,464
+HK$9,261/mo
Deposit HK$3.49M · loan HK$31.40M · min. income ≈ HK$304,406/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,332
−HK$8,609/mo
▼ 0.25% · 3.875%
HK$163,606
−HK$4,335/mo
Today · 4.125%
HK$167,941
baseline
▲ 0.50% · 4.625%
HK$176,793
+HK$8,852/mo
Deposit HK$3.49M · loan HK$31.40M · min. income ≈ HK$335,882/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,998 · Scale 2, in force from 26 Feb 2026)