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$79,044
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,503
−HK$2,498/mo
Today · 4.125%
HK$84,001
baseline
▲ 0.50% · 4.625%
HK$89,112
+HK$5,111/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$168,002/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,936
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,294
−HK$2,393/mo
Today · 4.125%
HK$92,687
baseline
▲ 0.50% · 4.625%
HK$97,573
+HK$4,886/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$185,374/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,853
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,804
−HK$2,997/mo
Today · 4.125%
HK$100,801
baseline
▲ 0.50% · 4.625%
HK$106,935
+HK$6,134/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$201,602/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,523
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,353
−HK$2,871/mo
Today · 4.125%
HK$111,224
baseline
▲ 0.50% · 4.625%
HK$117,087
+HK$5,863/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$222,448/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,662
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$114,104
−HK$3,497/mo
Today · 4.125%
HK$117,601
baseline
▲ 0.50% · 4.625%
HK$124,757
+HK$7,156/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$235,202/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,110
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,412
−HK$3,350/mo
Today · 4.125%
HK$129,762
baseline
▲ 0.50% · 4.625%
HK$136,602
+HK$6,840/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$259,524/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,280
−HK$8,922/mo
▼ 0.25% · 3.875%
HK$146,705
−HK$4,497/mo
Today · 4.125%
HK$151,202
baseline
▲ 0.50% · 4.625%
HK$160,402
+HK$9,200/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$302,404/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,285
−HK$8,551/mo
▼ 0.25% · 3.875%
HK$162,530
−HK$4,306/mo
Today · 4.125%
HK$166,836
baseline
▲ 0.50% · 4.625%
HK$175,631
+HK$8,795/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$333,672/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,248 · Scale 2, in force from 26 Feb 2026)