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$79,461
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,932
−HK$2,511/mo
Today · 4.125%
HK$84,443
baseline
▲ 0.50% · 4.625%
HK$89,582
+HK$5,139/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$168,886/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,481,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,399
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,770
−HK$2,405/mo
Today · 4.125%
HK$93,175
baseline
▲ 0.50% · 4.625%
HK$98,086
+HK$4,911/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$186,350/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,481,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,353
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$98,319
−HK$3,013/mo
Today · 4.125%
HK$101,332
baseline
▲ 0.50% · 4.625%
HK$107,498
+HK$6,166/mo
Deposit HK$13.94M · loan HK$20.91M · min. income ≈ HK$202,664/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,481,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,079
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$108,924
−HK$2,886/mo
Today · 4.125%
HK$111,810
baseline
▲ 0.50% · 4.625%
HK$117,704
+HK$5,894/mo
Deposit HK$13.94M · loan HK$20.91M · min. income ≈ HK$223,620/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,481,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,245
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$114,705
−HK$3,516/mo
Today · 4.125%
HK$118,221
baseline
▲ 0.50% · 4.625%
HK$125,414
+HK$7,193/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$236,442/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,481,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,759
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$127,078
−HK$3,367/mo
Today · 4.125%
HK$130,445
baseline
▲ 0.50% · 4.625%
HK$137,321
+HK$6,876/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$260,890/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,481,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,029
−HK$8,969/mo
▼ 0.25% · 3.875%
HK$147,478
−HK$4,520/mo
Today · 4.125%
HK$151,998
baseline
▲ 0.50% · 4.625%
HK$161,247
+HK$9,249/mo
Deposit HK$3.48M · loan HK$31.36M · min. income ≈ HK$303,996/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,481,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,118
−HK$8,597/mo
▼ 0.25% · 3.875%
HK$163,386
−HK$4,329/mo
Today · 4.125%
HK$167,715
baseline
▲ 0.50% · 4.625%
HK$176,556
+HK$8,841/mo
Deposit HK$3.48M · loan HK$31.36M · min. income ≈ HK$335,430/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,481,007 · Scale 2, in force from 26 Feb 2026)