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$79,137
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,599
−HK$2,501/mo
Today · 4.125%
HK$84,100
baseline
▲ 0.50% · 4.625%
HK$89,217
+HK$5,117/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$168,200/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,474,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,039
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,401
−HK$2,395/mo
Today · 4.125%
HK$92,796
baseline
▲ 0.50% · 4.625%
HK$97,687
+HK$4,891/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$185,592/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,474,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,965
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,919
−HK$3,001/mo
Today · 4.125%
HK$100,920
baseline
▲ 0.50% · 4.625%
HK$107,061
+HK$6,141/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$201,840/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,474,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,647
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,481
−HK$2,874/mo
Today · 4.125%
HK$111,355
baseline
▲ 0.50% · 4.625%
HK$117,225
+HK$5,870/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$222,710/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,474,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,792
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,239
−HK$3,501/mo
Today · 4.125%
HK$117,740
baseline
▲ 0.50% · 4.625%
HK$124,904
+HK$7,164/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$235,480/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,474,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,255
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,561
−HK$3,353/mo
Today · 4.125%
HK$129,914
baseline
▲ 0.50% · 4.625%
HK$136,762
+HK$6,848/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$259,828/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,474,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,447
−HK$8,933/mo
▼ 0.25% · 3.875%
HK$146,878
−HK$4,502/mo
Today · 4.125%
HK$151,380
baseline
▲ 0.50% · 4.625%
HK$160,591
+HK$9,211/mo
Deposit HK$3.47M · loan HK$31.23M · min. income ≈ HK$302,760/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,474,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,471
−HK$8,562/mo
▼ 0.25% · 3.875%
HK$162,721
−HK$4,312/mo
Today · 4.125%
HK$167,033
baseline
▲ 0.50% · 4.625%
HK$175,837
+HK$8,804/mo
Deposit HK$3.47M · loan HK$31.23M · min. income ≈ HK$334,066/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,474,982 · Scale 2, in force from 26 Feb 2026)