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$79,006
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,463
−HK$2,497/mo
Today · 4.125%
HK$83,960
baseline
▲ 0.50% · 4.625%
HK$89,069
+HK$5,109/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$167,920/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,893
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,250
−HK$2,392/mo
Today · 4.125%
HK$92,642
baseline
▲ 0.50% · 4.625%
HK$97,525
+HK$4,883/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$185,284/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,807
−HK$5,945/mo
▼ 0.25% · 3.875%
HK$97,756
−HK$2,996/mo
Today · 4.125%
HK$100,752
baseline
▲ 0.50% · 4.625%
HK$106,883
+HK$6,131/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$201,504/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,472
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$108,301
−HK$2,869/mo
Today · 4.125%
HK$111,170
baseline
▲ 0.50% · 4.625%
HK$117,030
+HK$5,860/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$222,340/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,608
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$114,049
−HK$3,495/mo
Today · 4.125%
HK$117,544
baseline
▲ 0.50% · 4.625%
HK$124,697
+HK$7,153/mo
Deposit HK$10.39M · loan HK$24.25M · min. income ≈ HK$235,088/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,050
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$126,351
−HK$3,347/mo
Today · 4.125%
HK$129,698
baseline
▲ 0.50% · 4.625%
HK$136,535
+HK$6,837/mo
Deposit HK$10.39M · loan HK$24.25M · min. income ≈ HK$259,396/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,210
−HK$8,918/mo
▼ 0.25% · 3.875%
HK$146,634
−HK$4,494/mo
Today · 4.125%
HK$151,128
baseline
▲ 0.50% · 4.625%
HK$160,324
+HK$9,196/mo
Deposit HK$3.46M · loan HK$31.18M · min. income ≈ HK$302,256/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,208
−HK$8,547/mo
▼ 0.25% · 3.875%
HK$162,451
−HK$4,304/mo
Today · 4.125%
HK$166,755
baseline
▲ 0.50% · 4.625%
HK$175,545
+HK$8,790/mo
Deposit HK$3.46M · loan HK$31.18M · min. income ≈ HK$333,510/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,531 · Scale 2, in force from 26 Feb 2026)