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$79,626
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,103
−HK$2,517/mo
Today · 4.125%
HK$84,620
baseline
▲ 0.50% · 4.625%
HK$89,769
+HK$5,149/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$169,240/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,484,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,584
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,959
−HK$2,410/mo
Today · 4.125%
HK$93,369
baseline
▲ 0.50% · 4.625%
HK$98,291
+HK$4,922/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$186,738/mo (50% DSR)
Upfront cash ≈ HK$18.94M (deposit + AVD stamp duty HK$1,484,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,552
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$98,524
−HK$3,020/mo
Today · 4.125%
HK$101,544
baseline
▲ 0.50% · 4.625%
HK$107,722
+HK$6,178/mo
Deposit HK$13.97M · loan HK$20.95M · min. income ≈ HK$203,088/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,484,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,300
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$109,151
−HK$2,892/mo
Today · 4.125%
HK$112,043
baseline
▲ 0.50% · 4.625%
HK$117,949
+HK$5,906/mo
Deposit HK$13.97M · loan HK$20.95M · min. income ≈ HK$224,086/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,484,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,477
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$114,944
−HK$3,523/mo
Today · 4.125%
HK$118,467
baseline
▲ 0.50% · 4.625%
HK$125,676
+HK$7,209/mo
Deposit HK$10.48M · loan HK$24.44M · min. income ≈ HK$236,934/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,017
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$127,343
−HK$3,374/mo
Today · 4.125%
HK$130,717
baseline
▲ 0.50% · 4.625%
HK$137,607
+HK$6,890/mo
Deposit HK$10.48M · loan HK$24.44M · min. income ≈ HK$261,434/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,327
−HK$8,988/mo
▼ 0.25% · 3.875%
HK$147,786
−HK$4,529/mo
Today · 4.125%
HK$152,315
baseline
▲ 0.50% · 4.625%
HK$161,583
+HK$9,268/mo
Deposit HK$3.49M · loan HK$31.43M · min. income ≈ HK$304,630/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,450
−HK$8,615/mo
▼ 0.25% · 3.875%
HK$163,727
−HK$4,338/mo
Today · 4.125%
HK$168,065
baseline
▲ 0.50% · 4.625%
HK$176,924
+HK$8,859/mo
Deposit HK$3.49M · loan HK$31.43M · min. income ≈ HK$336,130/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,097 · Scale 2, in force from 26 Feb 2026)