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$79,585
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,060
−HK$2,515/mo
Today · 4.125%
HK$84,575
baseline
▲ 0.50% · 4.625%
HK$89,721
+HK$5,146/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$169,150/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,483,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,537
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,912
−HK$2,408/mo
Today · 4.125%
HK$93,320
baseline
▲ 0.50% · 4.625%
HK$98,240
+HK$4,920/mo
Deposit HK$17.45M · loan HK$17.45M · min. income ≈ HK$186,640/mo (50% DSR)
Upfront cash ≈ HK$18.93M (deposit + AVD stamp duty HK$1,483,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,502
−HK$5,988/mo
▼ 0.25% · 3.875%
HK$98,472
−HK$3,018/mo
Today · 4.125%
HK$101,490
baseline
▲ 0.50% · 4.625%
HK$107,666
+HK$6,176/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$202,980/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,483,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,245
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$109,094
−HK$2,891/mo
Today · 4.125%
HK$111,985
baseline
▲ 0.50% · 4.625%
HK$117,887
+HK$5,902/mo
Deposit HK$13.96M · loan HK$20.94M · min. income ≈ HK$223,970/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,483,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,418
−HK$6,987/mo
▼ 0.25% · 3.875%
HK$114,884
−HK$3,521/mo
Today · 4.125%
HK$118,405
baseline
▲ 0.50% · 4.625%
HK$125,610
+HK$7,205/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$236,810/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,483,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,952
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,276
−HK$3,373/mo
Today · 4.125%
HK$130,649
baseline
▲ 0.50% · 4.625%
HK$137,535
+HK$6,886/mo
Deposit HK$10.47M · loan HK$24.43M · min. income ≈ HK$261,298/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,483,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,252
−HK$8,984/mo
▼ 0.25% · 3.875%
HK$147,708
−HK$4,528/mo
Today · 4.125%
HK$152,236
baseline
▲ 0.50% · 4.625%
HK$161,499
+HK$9,263/mo
Deposit HK$3.49M · loan HK$31.41M · min. income ≈ HK$304,472/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,367
−HK$8,610/mo
▼ 0.25% · 3.875%
HK$163,641
−HK$4,336/mo
Today · 4.125%
HK$167,977
baseline
▲ 0.50% · 4.625%
HK$176,831
+HK$8,854/mo
Deposit HK$3.49M · loan HK$31.41M · min. income ≈ HK$335,954/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,483,319 · Scale 2, in force from 26 Feb 2026)