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$79,677
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,155
−HK$2,518/mo
Today · 4.125%
HK$84,673
baseline
▲ 0.50% · 4.625%
HK$89,825
+HK$5,152/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$169,346/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,485,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,640
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,017
−HK$2,412/mo
Today · 4.125%
HK$93,429
baseline
▲ 0.50% · 4.625%
HK$98,353
+HK$4,924/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$186,858/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,485,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,612
−HK$5,996/mo
▼ 0.25% · 3.875%
HK$98,586
−HK$3,022/mo
Today · 4.125%
HK$101,608
baseline
▲ 0.50% · 4.625%
HK$107,790
+HK$6,182/mo
Deposit HK$13.98M · loan HK$20.97M · min. income ≈ HK$203,216/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,485,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,367
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$109,220
−HK$2,894/mo
Today · 4.125%
HK$112,114
baseline
▲ 0.50% · 4.625%
HK$118,024
+HK$5,910/mo
Deposit HK$13.98M · loan HK$20.97M · min. income ≈ HK$224,228/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,485,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,547
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,017
−HK$3,525/mo
Today · 4.125%
HK$118,542
baseline
▲ 0.50% · 4.625%
HK$125,755
+HK$7,213/mo
Deposit HK$10.48M · loan HK$24.46M · min. income ≈ HK$237,084/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,485,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,095
−HK$6,705/mo
▼ 0.25% · 3.875%
HK$127,424
−HK$3,376/mo
Today · 4.125%
HK$130,800
baseline
▲ 0.50% · 4.625%
HK$137,695
+HK$6,895/mo
Deposit HK$10.48M · loan HK$24.46M · min. income ≈ HK$261,600/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,485,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,418
−HK$8,994/mo
▼ 0.25% · 3.875%
HK$147,879
−HK$4,533/mo
Today · 4.125%
HK$152,412
baseline
▲ 0.50% · 4.625%
HK$161,686
+HK$9,274/mo
Deposit HK$3.49M · loan HK$31.45M · min. income ≈ HK$304,824/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,551
−HK$8,620/mo
▼ 0.25% · 3.875%
HK$163,830
−HK$4,341/mo
Today · 4.125%
HK$168,171
baseline
▲ 0.50% · 4.625%
HK$177,036
+HK$8,865/mo
Deposit HK$3.49M · loan HK$31.45M · min. income ≈ HK$336,342/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,036 · Scale 2, in force from 26 Feb 2026)