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$79,276
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,742
−HK$2,505/mo
Today · 4.125%
HK$84,247
baseline
▲ 0.50% · 4.625%
HK$89,373
+HK$5,126/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$168,494/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,194
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,559
−HK$2,399/mo
Today · 4.125%
HK$92,958
baseline
▲ 0.50% · 4.625%
HK$97,858
+HK$4,900/mo
Deposit HK$17.38M · loan HK$17.38M · min. income ≈ HK$185,916/mo (50% DSR)
Upfront cash ≈ HK$18.86M (deposit + AVD stamp duty HK$1,477,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,131
−HK$5,966/mo
▼ 0.25% · 3.875%
HK$98,090
−HK$3,007/mo
Today · 4.125%
HK$101,097
baseline
▲ 0.50% · 4.625%
HK$107,248
+HK$6,151/mo
Deposit HK$13.91M · loan HK$20.86M · min. income ≈ HK$202,194/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,832
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$108,671
−HK$2,879/mo
Today · 4.125%
HK$111,550
baseline
▲ 0.50% · 4.625%
HK$117,430
+HK$5,880/mo
Deposit HK$13.91M · loan HK$20.86M · min. income ≈ HK$223,100/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,477,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,986
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,439
−HK$3,507/mo
Today · 4.125%
HK$117,946
baseline
▲ 0.50% · 4.625%
HK$125,123
+HK$7,177/mo
Deposit HK$10.43M · loan HK$24.34M · min. income ≈ HK$235,892/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,477,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,471
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,782
−HK$3,360/mo
Today · 4.125%
HK$130,142
baseline
▲ 0.50% · 4.625%
HK$137,002
+HK$6,860/mo
Deposit HK$10.43M · loan HK$24.34M · min. income ≈ HK$260,284/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,477,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,697
−HK$8,948/mo
▼ 0.25% · 3.875%
HK$147,135
−HK$4,510/mo
Today · 4.125%
HK$151,645
baseline
▲ 0.50% · 4.625%
HK$160,872
+HK$9,227/mo
Deposit HK$3.48M · loan HK$31.29M · min. income ≈ HK$303,290/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,749
−HK$8,576/mo
▼ 0.25% · 3.875%
HK$163,006
−HK$4,319/mo
Today · 4.125%
HK$167,325
baseline
▲ 0.50% · 4.625%
HK$176,145
+HK$8,820/mo
Deposit HK$3.48M · loan HK$31.29M · min. income ≈ HK$334,650/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,477,564 · Scale 2, in force from 26 Feb 2026)