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$79,041
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,500
−HK$2,498/mo
Today · 4.125%
HK$83,998
baseline
▲ 0.50% · 4.625%
HK$89,109
+HK$5,111/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$167,996/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,473,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,932
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,291
−HK$2,392/mo
Today · 4.125%
HK$92,683
baseline
▲ 0.50% · 4.625%
HK$97,569
+HK$4,886/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$185,366/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,473,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,849
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,800
−HK$2,997/mo
Today · 4.125%
HK$100,797
baseline
▲ 0.50% · 4.625%
HK$106,930
+HK$6,133/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$201,594/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,519
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,349
−HK$2,871/mo
Today · 4.125%
HK$111,220
baseline
▲ 0.50% · 4.625%
HK$117,082
+HK$5,862/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$222,440/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,658
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$114,100
−HK$3,497/mo
Today · 4.125%
HK$117,597
baseline
▲ 0.50% · 4.625%
HK$124,752
+HK$7,155/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$235,194/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,105
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$126,407
−HK$3,349/mo
Today · 4.125%
HK$129,756
baseline
▲ 0.50% · 4.625%
HK$136,596
+HK$6,840/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$259,512/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,274
−HK$8,922/mo
▼ 0.25% · 3.875%
HK$146,700
−HK$4,496/mo
Today · 4.125%
HK$151,196
baseline
▲ 0.50% · 4.625%
HK$160,396
+HK$9,200/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$302,392/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,278
−HK$8,552/mo
▼ 0.25% · 3.875%
HK$162,523
−HK$4,307/mo
Today · 4.125%
HK$166,830
baseline
▲ 0.50% · 4.625%
HK$175,623
+HK$8,793/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$333,660/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,189 · Scale 2, in force from 26 Feb 2026)