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$79,211
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,674
−HK$2,504/mo
Today · 4.125%
HK$84,178
baseline
▲ 0.50% · 4.625%
HK$89,300
+HK$5,122/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$168,356/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,121
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,484
−HK$2,398/mo
Today · 4.125%
HK$92,882
baseline
▲ 0.50% · 4.625%
HK$97,778
+HK$4,896/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$185,764/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,053
−HK$5,960/mo
▼ 0.25% · 3.875%
HK$98,009
−HK$3,004/mo
Today · 4.125%
HK$101,013
baseline
▲ 0.50% · 4.625%
HK$107,160
+HK$6,147/mo
Deposit HK$13.90M · loan HK$20.84M · min. income ≈ HK$202,026/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,745
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$108,581
−HK$2,877/mo
Today · 4.125%
HK$111,458
baseline
▲ 0.50% · 4.625%
HK$117,333
+HK$5,875/mo
Deposit HK$13.90M · loan HK$20.84M · min. income ≈ HK$222,916/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,476,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,895
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$114,344
−HK$3,505/mo
Today · 4.125%
HK$117,849
baseline
▲ 0.50% · 4.625%
HK$125,020
+HK$7,171/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$235,698/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,369
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,678
−HK$3,357/mo
Today · 4.125%
HK$130,035
baseline
▲ 0.50% · 4.625%
HK$136,889
+HK$6,854/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$260,070/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,579
−HK$8,941/mo
▼ 0.25% · 3.875%
HK$147,014
−HK$4,506/mo
Today · 4.125%
HK$151,520
baseline
▲ 0.50% · 4.625%
HK$160,740
+HK$9,220/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$303,040/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,618
−HK$8,569/mo
▼ 0.25% · 3.875%
HK$162,872
−HK$4,315/mo
Today · 4.125%
HK$167,187
baseline
▲ 0.50% · 4.625%
HK$176,000
+HK$8,813/mo
Deposit HK$3.47M · loan HK$31.26M · min. income ≈ HK$334,374/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,347 · Scale 2, in force from 26 Feb 2026)