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$79,592
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,067
−HK$2,516/mo
Today · 4.125%
HK$84,583
baseline
▲ 0.50% · 4.625%
HK$89,729
+HK$5,146/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$169,166/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,483,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,545
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,920
−HK$2,409/mo
Today · 4.125%
HK$93,329
baseline
▲ 0.50% · 4.625%
HK$98,248
+HK$4,919/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$186,658/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,483,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,510
−HK$5,989/mo
▼ 0.25% · 3.875%
HK$98,481
−HK$3,018/mo
Today · 4.125%
HK$101,499
baseline
▲ 0.50% · 4.625%
HK$107,675
+HK$6,176/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$202,998/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,483,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,254
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,103
−HK$2,891/mo
Today · 4.125%
HK$111,994
baseline
▲ 0.50% · 4.625%
HK$117,898
+HK$5,904/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$223,988/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,483,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,428
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,894
−HK$3,522/mo
Today · 4.125%
HK$118,416
baseline
▲ 0.50% · 4.625%
HK$125,621
+HK$7,205/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$236,832/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,483,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,963
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,287
−HK$3,373/mo
Today · 4.125%
HK$130,660
baseline
▲ 0.50% · 4.625%
HK$137,547
+HK$6,887/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$261,320/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,483,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,265
−HK$8,984/mo
▼ 0.25% · 3.875%
HK$147,721
−HK$4,528/mo
Today · 4.125%
HK$152,249
baseline
▲ 0.50% · 4.625%
HK$161,513
+HK$9,264/mo
Deposit HK$3.49M · loan HK$31.41M · min. income ≈ HK$304,498/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,381
−HK$8,611/mo
▼ 0.25% · 3.875%
HK$163,655
−HK$4,337/mo
Today · 4.125%
HK$167,992
baseline
▲ 0.50% · 4.625%
HK$176,847
+HK$8,855/mo
Deposit HK$3.49M · loan HK$31.41M · min. income ≈ HK$335,984/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,449 · Scale 2, in force from 26 Feb 2026)