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$79,561
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,036
−HK$2,515/mo
Today · 4.125%
HK$84,551
baseline
▲ 0.50% · 4.625%
HK$89,695
+HK$5,144/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$169,102/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,482,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,511
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,885
−HK$2,408/mo
Today · 4.125%
HK$93,293
baseline
▲ 0.50% · 4.625%
HK$98,211
+HK$4,918/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$186,586/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,482,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,474
−HK$5,987/mo
▼ 0.25% · 3.875%
HK$98,443
−HK$3,018/mo
Today · 4.125%
HK$101,461
baseline
▲ 0.50% · 4.625%
HK$107,634
+HK$6,173/mo
Deposit HK$13.96M · loan HK$20.93M · min. income ≈ HK$202,922/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,214
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$109,062
−HK$2,890/mo
Today · 4.125%
HK$111,952
baseline
▲ 0.50% · 4.625%
HK$117,853
+HK$5,901/mo
Deposit HK$13.96M · loan HK$20.93M · min. income ≈ HK$223,904/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,482,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,386
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$114,851
−HK$3,520/mo
Today · 4.125%
HK$118,371
baseline
▲ 0.50% · 4.625%
HK$125,573
+HK$7,202/mo
Deposit HK$10.47M · loan HK$24.42M · min. income ≈ HK$236,742/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,916
−HK$6,695/mo
▼ 0.25% · 3.875%
HK$127,239
−HK$3,372/mo
Today · 4.125%
HK$130,611
baseline
▲ 0.50% · 4.625%
HK$137,495
+HK$6,884/mo
Deposit HK$10.47M · loan HK$24.42M · min. income ≈ HK$261,222/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,482,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,211
−HK$8,980/mo
▼ 0.25% · 3.875%
HK$147,665
−HK$4,526/mo
Today · 4.125%
HK$152,191
baseline
▲ 0.50% · 4.625%
HK$161,452
+HK$9,261/mo
Deposit HK$3.49M · loan HK$31.40M · min. income ≈ HK$304,382/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,320
−HK$8,608/mo
▼ 0.25% · 3.875%
HK$163,593
−HK$4,335/mo
Today · 4.125%
HK$167,928
baseline
▲ 0.50% · 4.625%
HK$176,780
+HK$8,852/mo
Deposit HK$3.49M · loan HK$31.40M · min. income ≈ HK$335,856/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,482,886 · Scale 2, in force from 26 Feb 2026)