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$79,191
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,655
−HK$2,502/mo
Today · 4.125%
HK$84,157
baseline
▲ 0.50% · 4.625%
HK$89,278
+HK$5,121/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$168,314/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,475,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,099
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,462
−HK$2,397/mo
Today · 4.125%
HK$92,859
baseline
▲ 0.50% · 4.625%
HK$97,754
+HK$4,895/mo
Deposit HK$17.36M · loan HK$17.36M · min. income ≈ HK$185,718/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,475,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,030
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,985
−HK$3,004/mo
Today · 4.125%
HK$100,989
baseline
▲ 0.50% · 4.625%
HK$107,134
+HK$6,145/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$201,978/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,475,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,719
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,555
−HK$2,876/mo
Today · 4.125%
HK$111,431
baseline
▲ 0.50% · 4.625%
HK$117,305
+HK$5,874/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$222,862/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,475,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,868
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$114,316
−HK$3,504/mo
Today · 4.125%
HK$117,820
baseline
▲ 0.50% · 4.625%
HK$124,989
+HK$7,169/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$235,640/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,339
−HK$6,664/mo
▼ 0.25% · 3.875%
HK$126,647
−HK$3,356/mo
Today · 4.125%
HK$130,003
baseline
▲ 0.50% · 4.625%
HK$136,856
+HK$6,853/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$260,006/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,544
−HK$8,939/mo
▼ 0.25% · 3.875%
HK$146,978
−HK$4,505/mo
Today · 4.125%
HK$151,483
baseline
▲ 0.50% · 4.625%
HK$160,700
+HK$9,217/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$302,966/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,579
−HK$8,568/mo
▼ 0.25% · 3.875%
HK$162,832
−HK$4,315/mo
Today · 4.125%
HK$167,147
baseline
▲ 0.50% · 4.625%
HK$175,957
+HK$8,810/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$334,294/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,988 · Scale 2, in force from 26 Feb 2026)