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$79,466
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,938
−HK$2,511/mo
Today · 4.125%
HK$84,449
baseline
▲ 0.50% · 4.625%
HK$89,587
+HK$5,138/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$168,898/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,481,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,405
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,776
−HK$2,405/mo
Today · 4.125%
HK$93,181
baseline
▲ 0.50% · 4.625%
HK$98,093
+HK$4,912/mo
Deposit HK$17.42M · loan HK$17.42M · min. income ≈ HK$186,362/mo (50% DSR)
Upfront cash ≈ HK$18.91M (deposit + AVD stamp duty HK$1,481,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,359
−HK$5,980/mo
▼ 0.25% · 3.875%
HK$98,325
−HK$3,014/mo
Today · 4.125%
HK$101,339
baseline
▲ 0.50% · 4.625%
HK$107,505
+HK$6,166/mo
Deposit HK$13.94M · loan HK$20.91M · min. income ≈ HK$202,678/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,481,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,086
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$108,931
−HK$2,886/mo
Today · 4.125%
HK$111,817
baseline
▲ 0.50% · 4.625%
HK$117,711
+HK$5,894/mo
Deposit HK$13.94M · loan HK$20.91M · min. income ≈ HK$223,634/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,481,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,252
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$114,713
−HK$3,516/mo
Today · 4.125%
HK$118,229
baseline
▲ 0.50% · 4.625%
HK$125,422
+HK$7,193/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$236,458/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,481,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,767
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$127,086
−HK$3,367/mo
Today · 4.125%
HK$130,453
baseline
▲ 0.50% · 4.625%
HK$137,330
+HK$6,877/mo
Deposit HK$10.45M · loan HK$24.39M · min. income ≈ HK$260,906/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,481,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,038
−HK$8,970/mo
▼ 0.25% · 3.875%
HK$147,488
−HK$4,520/mo
Today · 4.125%
HK$152,008
baseline
▲ 0.50% · 4.625%
HK$161,257
+HK$9,249/mo
Deposit HK$3.48M · loan HK$31.36M · min. income ≈ HK$304,016/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,481,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,129
−HK$8,597/mo
▼ 0.25% · 3.875%
HK$163,396
−HK$4,330/mo
Today · 4.125%
HK$167,726
baseline
▲ 0.50% · 4.625%
HK$176,567
+HK$8,841/mo
Deposit HK$3.48M · loan HK$31.36M · min. income ≈ HK$335,452/mo (50% DSR)
Upfront cash ≈ HK$4.97M (deposit + AVD stamp duty HK$1,481,103 · Scale 2, in force from 26 Feb 2026)