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$79,028
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,486
−HK$2,498/mo
Today · 4.125%
HK$83,984
baseline
▲ 0.50% · 4.625%
HK$89,094
+HK$5,110/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$167,968/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,918
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,276
−HK$2,392/mo
Today · 4.125%
HK$92,668
baseline
▲ 0.50% · 4.625%
HK$97,552
+HK$4,884/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$185,336/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,833
−HK$5,947/mo
▼ 0.25% · 3.875%
HK$97,783
−HK$2,997/mo
Today · 4.125%
HK$100,780
baseline
▲ 0.50% · 4.625%
HK$106,912
+HK$6,132/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$201,560/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,472,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,501
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$108,331
−HK$2,870/mo
Today · 4.125%
HK$111,201
baseline
▲ 0.50% · 4.625%
HK$117,063
+HK$5,862/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$222,402/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,472,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,639
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$114,080
−HK$3,497/mo
Today · 4.125%
HK$117,577
baseline
▲ 0.50% · 4.625%
HK$124,731
+HK$7,154/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$235,154/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,085
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$126,386
−HK$3,349/mo
Today · 4.125%
HK$129,735
baseline
▲ 0.50% · 4.625%
HK$136,573
+HK$6,838/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$259,470/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,250
−HK$8,920/mo
▼ 0.25% · 3.875%
HK$146,675
−HK$4,495/mo
Today · 4.125%
HK$151,170
baseline
▲ 0.50% · 4.625%
HK$160,369
+HK$9,199/mo
Deposit HK$3.47M · loan HK$31.19M · min. income ≈ HK$302,340/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,252
−HK$8,550/mo
▼ 0.25% · 3.875%
HK$162,496
−HK$4,306/mo
Today · 4.125%
HK$166,802
baseline
▲ 0.50% · 4.625%
HK$175,594
+HK$8,792/mo
Deposit HK$3.47M · loan HK$31.19M · min. income ≈ HK$333,604/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,940 · Scale 2, in force from 26 Feb 2026)