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$79,093
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,553
−HK$2,500/mo
Today · 4.125%
HK$84,053
baseline
▲ 0.50% · 4.625%
HK$89,167
+HK$5,114/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$168,106/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,990
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,350
−HK$2,394/mo
Today · 4.125%
HK$92,744
baseline
▲ 0.50% · 4.625%
HK$97,633
+HK$4,889/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$185,488/mo (50% DSR)
Upfront cash ≈ HK$18.82M (deposit + AVD stamp duty HK$1,474,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,912
−HK$5,951/mo
▼ 0.25% · 3.875%
HK$97,864
−HK$2,999/mo
Today · 4.125%
HK$100,863
baseline
▲ 0.50% · 4.625%
HK$107,001
+HK$6,138/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$201,726/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,588
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$108,420
−HK$2,873/mo
Today · 4.125%
HK$111,293
baseline
▲ 0.50% · 4.625%
HK$117,159
+HK$5,866/mo
Deposit HK$13.87M · loan HK$20.81M · min. income ≈ HK$222,586/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,474,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,730
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$114,174
−HK$3,500/mo
Today · 4.125%
HK$117,674
baseline
▲ 0.50% · 4.625%
HK$124,834
+HK$7,160/mo
Deposit HK$10.41M · loan HK$24.28M · min. income ≈ HK$235,348/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,186
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$126,490
−HK$3,352/mo
Today · 4.125%
HK$129,842
baseline
▲ 0.50% · 4.625%
HK$136,686
+HK$6,844/mo
Deposit HK$10.41M · loan HK$24.28M · min. income ≈ HK$259,684/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,474,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,367
−HK$8,928/mo
▼ 0.25% · 3.875%
HK$146,796
−HK$4,499/mo
Today · 4.125%
HK$151,295
baseline
▲ 0.50% · 4.625%
HK$160,501
+HK$9,206/mo
Deposit HK$3.47M · loan HK$31.22M · min. income ≈ HK$302,590/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,382
−HK$8,557/mo
▼ 0.25% · 3.875%
HK$162,630
−HK$4,309/mo
Today · 4.125%
HK$166,939
baseline
▲ 0.50% · 4.625%
HK$175,739
+HK$8,800/mo
Deposit HK$3.47M · loan HK$31.22M · min. income ≈ HK$333,878/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,474,155 · Scale 2, in force from 26 Feb 2026)