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$79,042
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,501
−HK$2,498/mo
Today · 4.125%
HK$83,999
baseline
▲ 0.50% · 4.625%
HK$89,110
+HK$5,111/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$167,998/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,934
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,292
−HK$2,393/mo
Today · 4.125%
HK$92,685
baseline
▲ 0.50% · 4.625%
HK$97,570
+HK$4,885/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$185,370/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,851
−HK$5,948/mo
▼ 0.25% · 3.875%
HK$97,801
−HK$2,998/mo
Today · 4.125%
HK$100,799
baseline
▲ 0.50% · 4.625%
HK$106,932
+HK$6,133/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$201,598/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,520
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$108,350
−HK$2,871/mo
Today · 4.125%
HK$111,221
baseline
▲ 0.50% · 4.625%
HK$117,084
+HK$5,863/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$222,442/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,659
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$114,101
−HK$3,497/mo
Today · 4.125%
HK$117,598
baseline
▲ 0.50% · 4.625%
HK$124,754
+HK$7,156/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$235,196/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,107
−HK$6,651/mo
▼ 0.25% · 3.875%
HK$126,409
−HK$3,349/mo
Today · 4.125%
HK$129,758
baseline
▲ 0.50% · 4.625%
HK$136,598
+HK$6,840/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$259,516/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,473,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,276
−HK$8,922/mo
▼ 0.25% · 3.875%
HK$146,702
−HK$4,496/mo
Today · 4.125%
HK$151,198
baseline
▲ 0.50% · 4.625%
HK$160,398
+HK$9,200/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$302,396/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,281
−HK$8,551/mo
▼ 0.25% · 3.875%
HK$162,526
−HK$4,306/mo
Today · 4.125%
HK$166,832
baseline
▲ 0.50% · 4.625%
HK$175,626
+HK$8,794/mo
Deposit HK$3.47M · loan HK$31.20M · min. income ≈ HK$333,664/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,210 · Scale 2, in force from 26 Feb 2026)