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$79,203
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,666
−HK$2,503/mo
Today · 4.125%
HK$84,169
baseline
▲ 0.50% · 4.625%
HK$89,291
+HK$5,122/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$168,338/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,476,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,112
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,475
−HK$2,398/mo
Today · 4.125%
HK$92,873
baseline
▲ 0.50% · 4.625%
HK$97,768
+HK$4,895/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$185,746/mo (50% DSR)
Upfront cash ≈ HK$18.84M (deposit + AVD stamp duty HK$1,476,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,043
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$97,999
−HK$3,004/mo
Today · 4.125%
HK$101,003
baseline
▲ 0.50% · 4.625%
HK$107,149
+HK$6,146/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$202,006/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,735
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,570
−HK$2,877/mo
Today · 4.125%
HK$111,447
baseline
▲ 0.50% · 4.625%
HK$117,322
+HK$5,875/mo
Deposit HK$13.89M · loan HK$20.84M · min. income ≈ HK$222,894/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,884
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$114,333
−HK$3,504/mo
Today · 4.125%
HK$117,837
baseline
▲ 0.50% · 4.625%
HK$125,007
+HK$7,170/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$235,674/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,357
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$126,665
−HK$3,357/mo
Today · 4.125%
HK$130,022
baseline
▲ 0.50% · 4.625%
HK$136,875
+HK$6,853/mo
Deposit HK$10.42M · loan HK$24.31M · min. income ≈ HK$260,044/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,565
−HK$8,940/mo
▼ 0.25% · 3.875%
HK$146,999
−HK$4,506/mo
Today · 4.125%
HK$151,505
baseline
▲ 0.50% · 4.625%
HK$160,723
+HK$9,218/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$303,010/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,602
−HK$8,569/mo
▼ 0.25% · 3.875%
HK$162,855
−HK$4,316/mo
Today · 4.125%
HK$167,171
baseline
▲ 0.50% · 4.625%
HK$175,982
+HK$8,811/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$334,342/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,199 · Scale 2, in force from 26 Feb 2026)