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$79,235
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,700
−HK$2,504/mo
Today · 4.125%
HK$84,204
baseline
▲ 0.50% · 4.625%
HK$89,328
+HK$5,124/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$168,408/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,148
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,512
−HK$2,399/mo
Today · 4.125%
HK$92,911
baseline
▲ 0.50% · 4.625%
HK$97,808
+HK$4,897/mo
Deposit HK$17.37M · loan HK$17.37M · min. income ≈ HK$185,822/mo (50% DSR)
Upfront cash ≈ HK$18.85M (deposit + AVD stamp duty HK$1,476,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,082
−HK$5,963/mo
▼ 0.25% · 3.875%
HK$98,040
−HK$3,005/mo
Today · 4.125%
HK$101,045
baseline
▲ 0.50% · 4.625%
HK$107,193
+HK$6,148/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$202,090/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,476,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,778
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$108,615
−HK$2,878/mo
Today · 4.125%
HK$111,493
baseline
▲ 0.50% · 4.625%
HK$117,370
+HK$5,877/mo
Deposit HK$13.90M · loan HK$20.85M · min. income ≈ HK$222,986/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,476,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,929
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$114,380
−HK$3,506/mo
Today · 4.125%
HK$117,886
baseline
▲ 0.50% · 4.625%
HK$125,059
+HK$7,173/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$235,772/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,408
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,717
−HK$3,358/mo
Today · 4.125%
HK$130,075
baseline
▲ 0.50% · 4.625%
HK$136,931
+HK$6,856/mo
Deposit HK$10.42M · loan HK$24.32M · min. income ≈ HK$260,150/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,476,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,623
−HK$8,944/mo
▼ 0.25% · 3.875%
HK$147,060
−HK$4,507/mo
Today · 4.125%
HK$151,567
baseline
▲ 0.50% · 4.625%
HK$160,790
+HK$9,223/mo
Deposit HK$3.47M · loan HK$31.27M · min. income ≈ HK$303,134/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,667
−HK$8,572/mo
▼ 0.25% · 3.875%
HK$162,922
−HK$4,317/mo
Today · 4.125%
HK$167,239
baseline
▲ 0.50% · 4.625%
HK$176,055
+HK$8,816/mo
Deposit HK$3.47M · loan HK$31.27M · min. income ≈ HK$334,478/mo (50% DSR)
Upfront cash ≈ HK$4.95M (deposit + AVD stamp duty HK$1,476,806 · Scale 2, in force from 26 Feb 2026)