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$79,691
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,170
−HK$2,518/mo
Today · 4.125%
HK$84,688
baseline
▲ 0.50% · 4.625%
HK$89,841
+HK$5,153/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$169,376/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,485,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,655
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,033
−HK$2,412/mo
Today · 4.125%
HK$93,445
baseline
▲ 0.50% · 4.625%
HK$98,371
+HK$4,926/mo
Deposit HK$17.47M · loan HK$17.47M · min. income ≈ HK$186,890/mo (50% DSR)
Upfront cash ≈ HK$18.96M (deposit + AVD stamp duty HK$1,485,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,629
−HK$5,997/mo
▼ 0.25% · 3.875%
HK$98,604
−HK$3,022/mo
Today · 4.125%
HK$101,626
baseline
▲ 0.50% · 4.625%
HK$107,810
+HK$6,184/mo
Deposit HK$13.98M · loan HK$20.97M · min. income ≈ HK$203,252/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,485,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,386
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$109,240
−HK$2,894/mo
Today · 4.125%
HK$112,134
baseline
▲ 0.50% · 4.625%
HK$118,045
+HK$5,911/mo
Deposit HK$13.98M · loan HK$20.97M · min. income ≈ HK$224,268/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,485,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,567
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$115,038
−HK$3,526/mo
Today · 4.125%
HK$118,564
baseline
▲ 0.50% · 4.625%
HK$125,778
+HK$7,214/mo
Deposit HK$10.48M · loan HK$24.46M · min. income ≈ HK$237,128/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,485,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,117
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$127,446
−HK$3,377/mo
Today · 4.125%
HK$130,823
baseline
▲ 0.50% · 4.625%
HK$137,719
+HK$6,896/mo
Deposit HK$10.48M · loan HK$24.46M · min. income ≈ HK$261,646/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,485,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,444
−HK$8,995/mo
▼ 0.25% · 3.875%
HK$147,906
−HK$4,533/mo
Today · 4.125%
HK$152,439
baseline
▲ 0.50% · 4.625%
HK$161,714
+HK$9,275/mo
Deposit HK$3.49M · loan HK$31.45M · min. income ≈ HK$304,878/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,580
−HK$8,621/mo
▼ 0.25% · 3.875%
HK$163,859
−HK$4,342/mo
Today · 4.125%
HK$168,201
baseline
▲ 0.50% · 4.625%
HK$177,067
+HK$8,866/mo
Deposit HK$3.49M · loan HK$31.45M · min. income ≈ HK$336,402/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,485,300 · Scale 2, in force from 26 Feb 2026)