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$79,139
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,600
−HK$2,501/mo
Today · 4.125%
HK$84,101
baseline
▲ 0.50% · 4.625%
HK$89,219
+HK$5,118/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$168,202/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,041
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,402
−HK$2,396/mo
Today · 4.125%
HK$92,798
baseline
▲ 0.50% · 4.625%
HK$97,689
+HK$4,891/mo
Deposit HK$17.35M · loan HK$17.35M · min. income ≈ HK$185,596/mo (50% DSR)
Upfront cash ≈ HK$18.83M (deposit + AVD stamp duty HK$1,475,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,967
−HK$5,955/mo
▼ 0.25% · 3.875%
HK$97,921
−HK$3,001/mo
Today · 4.125%
HK$100,922
baseline
▲ 0.50% · 4.625%
HK$107,063
+HK$6,141/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$201,844/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,649
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$108,483
−HK$2,874/mo
Today · 4.125%
HK$111,357
baseline
▲ 0.50% · 4.625%
HK$117,227
+HK$5,870/mo
Deposit HK$13.88M · loan HK$20.82M · min. income ≈ HK$222,714/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,475,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,794
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$114,241
−HK$3,501/mo
Today · 4.125%
HK$117,742
baseline
▲ 0.50% · 4.625%
HK$124,906
+HK$7,164/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$235,484/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,258
−HK$6,659/mo
▼ 0.25% · 3.875%
HK$126,563
−HK$3,354/mo
Today · 4.125%
HK$129,917
baseline
▲ 0.50% · 4.625%
HK$136,765
+HK$6,848/mo
Deposit HK$10.41M · loan HK$24.29M · min. income ≈ HK$259,834/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,475,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,450
−HK$8,933/mo
▼ 0.25% · 3.875%
HK$146,881
−HK$4,502/mo
Today · 4.125%
HK$151,383
baseline
▲ 0.50% · 4.625%
HK$160,594
+HK$9,211/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$302,766/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,474
−HK$8,562/mo
▼ 0.25% · 3.875%
HK$162,724
−HK$4,312/mo
Today · 4.125%
HK$167,036
baseline
▲ 0.50% · 4.625%
HK$175,841
+HK$8,805/mo
Deposit HK$3.47M · loan HK$31.24M · min. income ≈ HK$334,072/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,475,009 · Scale 2, in force from 26 Feb 2026)