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$79,106
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,567
−HK$2,500/mo
Today · 4.125%
HK$84,067
baseline
▲ 0.50% · 4.625%
HK$89,182
+HK$5,115/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$168,134/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,005
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,365
−HK$2,394/mo
Today · 4.125%
HK$92,759
baseline
▲ 0.50% · 4.625%
HK$97,649
+HK$4,890/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$185,518/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,927
−HK$5,953/mo
▼ 0.25% · 3.875%
HK$97,880
−HK$3,000/mo
Today · 4.125%
HK$100,880
baseline
▲ 0.50% · 4.625%
HK$107,018
+HK$6,138/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$201,760/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,605
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$108,438
−HK$2,873/mo
Today · 4.125%
HK$111,311
baseline
▲ 0.50% · 4.625%
HK$117,178
+HK$5,867/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$222,622/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,748
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$114,193
−HK$3,500/mo
Today · 4.125%
HK$117,693
baseline
▲ 0.50% · 4.625%
HK$124,855
+HK$7,162/mo
Deposit HK$10.41M · loan HK$24.28M · min. income ≈ HK$235,386/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,206
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,511
−HK$3,352/mo
Today · 4.125%
HK$129,863
baseline
▲ 0.50% · 4.625%
HK$136,708
+HK$6,845/mo
Deposit HK$10.41M · loan HK$24.28M · min. income ≈ HK$259,726/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,391
−HK$8,929/mo
▼ 0.25% · 3.875%
HK$146,820
−HK$4,500/mo
Today · 4.125%
HK$151,320
baseline
▲ 0.50% · 4.625%
HK$160,527
+HK$9,207/mo
Deposit HK$3.47M · loan HK$31.22M · min. income ≈ HK$302,640/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,408
−HK$8,558/mo
▼ 0.25% · 3.875%
HK$162,657
−HK$4,309/mo
Today · 4.125%
HK$166,966
baseline
▲ 0.50% · 4.625%
HK$175,767
+HK$8,801/mo
Deposit HK$3.47M · loan HK$31.22M · min. income ≈ HK$333,932/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,396 · Scale 2, in force from 26 Feb 2026)