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$79,424
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,895
−HK$2,510/mo
Today · 4.125%
HK$84,405
baseline
▲ 0.50% · 4.625%
HK$89,541
+HK$5,136/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$168,810/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,359
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,728
−HK$2,404/mo
Today · 4.125%
HK$93,132
baseline
▲ 0.50% · 4.625%
HK$98,042
+HK$4,910/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$186,264/mo (50% DSR)
Upfront cash ≈ HK$18.90M (deposit + AVD stamp duty HK$1,480,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,309
−HK$5,977/mo
▼ 0.25% · 3.875%
HK$98,274
−HK$3,012/mo
Today · 4.125%
HK$101,286
baseline
▲ 0.50% · 4.625%
HK$107,449
+HK$6,163/mo
Deposit HK$13.93M · loan HK$20.90M · min. income ≈ HK$202,572/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,480,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,030
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$108,874
−HK$2,885/mo
Today · 4.125%
HK$111,759
baseline
▲ 0.50% · 4.625%
HK$117,650
+HK$5,891/mo
Deposit HK$13.93M · loan HK$20.90M · min. income ≈ HK$223,518/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,480,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,194
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$114,653
−HK$3,514/mo
Today · 4.125%
HK$118,167
baseline
▲ 0.50% · 4.625%
HK$125,357
+HK$7,190/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$236,334/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,702
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$127,020
−HK$3,365/mo
Today · 4.125%
HK$130,385
baseline
▲ 0.50% · 4.625%
HK$137,258
+HK$6,873/mo
Deposit HK$10.45M · loan HK$24.38M · min. income ≈ HK$260,770/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,480,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,964
−HK$8,965/mo
▼ 0.25% · 3.875%
HK$147,411
−HK$4,518/mo
Today · 4.125%
HK$151,929
baseline
▲ 0.50% · 4.625%
HK$161,173
+HK$9,244/mo
Deposit HK$3.48M · loan HK$31.35M · min. income ≈ HK$303,858/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,046
−HK$8,592/mo
▼ 0.25% · 3.875%
HK$163,311
−HK$4,327/mo
Today · 4.125%
HK$167,638
baseline
▲ 0.50% · 4.625%
HK$176,475
+HK$8,837/mo
Deposit HK$3.48M · loan HK$31.35M · min. income ≈ HK$335,276/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,480,331 · Scale 2, in force from 26 Feb 2026)