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$79,302
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,768
−HK$2,507/mo
Today · 4.125%
HK$84,275
baseline
▲ 0.50% · 4.625%
HK$89,403
+HK$5,128/mo
Deposit HK$17.39M · loan HK$17.39M · min. income ≈ HK$168,550/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,222
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,588
−HK$2,401/mo
Today · 4.125%
HK$92,989
baseline
▲ 0.50% · 4.625%
HK$97,890
+HK$4,901/mo
Deposit HK$17.39M · loan HK$17.39M · min. income ≈ HK$185,978/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,162
−HK$5,968/mo
▼ 0.25% · 3.875%
HK$98,122
−HK$3,008/mo
Today · 4.125%
HK$101,130
baseline
▲ 0.50% · 4.625%
HK$107,283
+HK$6,153/mo
Deposit HK$13.91M · loan HK$20.87M · min. income ≈ HK$202,260/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,867
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$108,706
−HK$2,881/mo
Today · 4.125%
HK$111,587
baseline
▲ 0.50% · 4.625%
HK$117,468
+HK$5,881/mo
Deposit HK$13.91M · loan HK$20.87M · min. income ≈ HK$223,174/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,022
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$114,476
−HK$3,509/mo
Today · 4.125%
HK$117,985
baseline
▲ 0.50% · 4.625%
HK$125,164
+HK$7,179/mo
Deposit HK$10.43M · loan HK$24.34M · min. income ≈ HK$235,970/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,511
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,824
−HK$3,360/mo
Today · 4.125%
HK$130,184
baseline
▲ 0.50% · 4.625%
HK$137,046
+HK$6,862/mo
Deposit HK$10.43M · loan HK$24.34M · min. income ≈ HK$260,368/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,743
−HK$8,951/mo
▼ 0.25% · 3.875%
HK$147,183
−HK$4,511/mo
Today · 4.125%
HK$151,694
baseline
▲ 0.50% · 4.625%
HK$160,925
+HK$9,231/mo
Deposit HK$3.48M · loan HK$31.30M · min. income ≈ HK$303,388/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,478,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,800
−HK$8,580/mo
▼ 0.25% · 3.875%
HK$163,059
−HK$4,321/mo
Today · 4.125%
HK$167,380
baseline
▲ 0.50% · 4.625%
HK$176,203
+HK$8,823/mo
Deposit HK$3.48M · loan HK$31.30M · min. income ≈ HK$334,760/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,478,047 · Scale 2, in force from 26 Feb 2026)