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$79,063
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,522
−HK$2,499/mo
Today · 4.125%
HK$84,021
baseline
▲ 0.50% · 4.625%
HK$89,133
+HK$5,112/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$168,042/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,957
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,316
−HK$2,393/mo
Today · 4.125%
HK$92,709
baseline
▲ 0.50% · 4.625%
HK$97,596
+HK$4,887/mo
Deposit HK$17.34M · loan HK$17.34M · min. income ≈ HK$185,418/mo (50% DSR)
Upfront cash ≈ HK$18.81M (deposit + AVD stamp duty HK$1,473,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,876
−HK$5,949/mo
▼ 0.25% · 3.875%
HK$97,827
−HK$2,998/mo
Today · 4.125%
HK$100,825
baseline
▲ 0.50% · 4.625%
HK$106,960
+HK$6,135/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$201,650/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,548
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$108,379
−HK$2,872/mo
Today · 4.125%
HK$111,251
baseline
▲ 0.50% · 4.625%
HK$117,115
+HK$5,864/mo
Deposit HK$13.87M · loan HK$20.80M · min. income ≈ HK$222,502/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,473,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,688
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$114,131
−HK$3,498/mo
Today · 4.125%
HK$117,629
baseline
▲ 0.50% · 4.625%
HK$124,787
+HK$7,158/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$235,258/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,473,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,140
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,442
−HK$3,350/mo
Today · 4.125%
HK$129,792
baseline
▲ 0.50% · 4.625%
HK$136,634
+HK$6,842/mo
Deposit HK$10.40M · loan HK$24.27M · min. income ≈ HK$259,584/mo (50% DSR)
Upfront cash ≈ HK$11.88M (deposit + AVD stamp duty HK$1,473,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,313
−HK$8,925/mo
▼ 0.25% · 3.875%
HK$146,740
−HK$4,498/mo
Today · 4.125%
HK$151,238
baseline
▲ 0.50% · 4.625%
HK$160,440
+HK$9,202/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$302,476/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,322
−HK$8,554/mo
▼ 0.25% · 3.875%
HK$162,568
−HK$4,308/mo
Today · 4.125%
HK$166,876
baseline
▲ 0.50% · 4.625%
HK$175,672
+HK$8,796/mo
Deposit HK$3.47M · loan HK$31.21M · min. income ≈ HK$333,752/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,473,597 · Scale 2, in force from 26 Feb 2026)