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$79,370
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,839
−HK$2,509/mo
Today · 4.125%
HK$84,348
baseline
▲ 0.50% · 4.625%
HK$89,480
+HK$5,132/mo
Deposit HK$17.40M · loan HK$17.40M · min. income ≈ HK$168,696/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,479,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,299
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,667
−HK$2,402/mo
Today · 4.125%
HK$93,069
baseline
▲ 0.50% · 4.625%
HK$97,975
+HK$4,906/mo
Deposit HK$17.40M · loan HK$17.40M · min. income ≈ HK$186,138/mo (50% DSR)
Upfront cash ≈ HK$18.88M (deposit + AVD stamp duty HK$1,479,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,244
−HK$5,973/mo
▼ 0.25% · 3.875%
HK$98,207
−HK$3,010/mo
Today · 4.125%
HK$101,217
baseline
▲ 0.50% · 4.625%
HK$107,376
+HK$6,159/mo
Deposit HK$13.92M · loan HK$20.88M · min. income ≈ HK$202,434/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,479,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,958
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$108,800
−HK$2,883/mo
Today · 4.125%
HK$111,683
baseline
▲ 0.50% · 4.625%
HK$117,570
+HK$5,887/mo
Deposit HK$13.92M · loan HK$20.88M · min. income ≈ HK$223,366/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,479,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,118
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,575
−HK$3,512/mo
Today · 4.125%
HK$118,087
baseline
▲ 0.50% · 4.625%
HK$125,272
+HK$7,185/mo
Deposit HK$10.44M · loan HK$24.37M · min. income ≈ HK$236,174/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,479,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,618
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,933
−HK$3,364/mo
Today · 4.125%
HK$130,297
baseline
▲ 0.50% · 4.625%
HK$137,165
+HK$6,868/mo
Deposit HK$10.44M · loan HK$24.37M · min. income ≈ HK$260,594/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,479,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,867
−HK$8,959/mo
▼ 0.25% · 3.875%
HK$147,310
−HK$4,516/mo
Today · 4.125%
HK$151,826
baseline
▲ 0.50% · 4.625%
HK$161,064
+HK$9,238/mo
Deposit HK$3.48M · loan HK$31.33M · min. income ≈ HK$303,652/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,938
−HK$8,586/mo
▼ 0.25% · 3.875%
HK$163,200
−HK$4,324/mo
Today · 4.125%
HK$167,524
baseline
▲ 0.50% · 4.625%
HK$176,355
+HK$8,831/mo
Deposit HK$3.48M · loan HK$31.33M · min. income ≈ HK$335,048/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,479,324 · Scale 2, in force from 26 Feb 2026)