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$79,632
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,109
−HK$2,517/mo
Today · 4.125%
HK$84,626
baseline
▲ 0.50% · 4.625%
HK$89,775
+HK$5,149/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$169,252/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,484,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,590
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,966
−HK$2,410/mo
Today · 4.125%
HK$93,376
baseline
▲ 0.50% · 4.625%
HK$98,298
+HK$4,922/mo
Deposit HK$17.46M · loan HK$17.46M · min. income ≈ HK$186,752/mo (50% DSR)
Upfront cash ≈ HK$18.95M (deposit + AVD stamp duty HK$1,484,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,558
−HK$5,993/mo
▼ 0.25% · 3.875%
HK$98,531
−HK$3,020/mo
Today · 4.125%
HK$101,551
baseline
▲ 0.50% · 4.625%
HK$107,730
+HK$6,179/mo
Deposit HK$13.97M · loan HK$20.95M · min. income ≈ HK$203,102/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,484,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,308
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$109,159
−HK$2,892/mo
Today · 4.125%
HK$112,051
baseline
▲ 0.50% · 4.625%
HK$117,958
+HK$5,907/mo
Deposit HK$13.97M · loan HK$20.95M · min. income ≈ HK$224,102/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,484,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,485
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$114,953
−HK$3,523/mo
Today · 4.125%
HK$118,476
baseline
▲ 0.50% · 4.625%
HK$125,685
+HK$7,209/mo
Deposit HK$10.48M · loan HK$24.45M · min. income ≈ HK$236,952/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,026
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$127,352
−HK$3,375/mo
Today · 4.125%
HK$130,727
baseline
▲ 0.50% · 4.625%
HK$137,617
+HK$6,890/mo
Deposit HK$10.48M · loan HK$24.45M · min. income ≈ HK$261,454/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,484,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,338
−HK$8,988/mo
▼ 0.25% · 3.875%
HK$147,796
−HK$4,530/mo
Today · 4.125%
HK$152,326
baseline
▲ 0.50% · 4.625%
HK$161,595
+HK$9,269/mo
Deposit HK$3.49M · loan HK$31.43M · min. income ≈ HK$304,652/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$159,462
−HK$8,615/mo
▼ 0.25% · 3.875%
HK$163,738
−HK$4,339/mo
Today · 4.125%
HK$168,077
baseline
▲ 0.50% · 4.625%
HK$176,937
+HK$8,860/mo
Deposit HK$3.49M · loan HK$31.43M · min. income ≈ HK$336,154/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$1,484,203 · Scale 2, in force from 26 Feb 2026)