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$78,951
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,406
−HK$2,495/mo
Today · 4.125%
HK$83,901
baseline
▲ 0.50% · 4.625%
HK$89,007
+HK$5,106/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$167,802/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,832
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,187
−HK$2,390/mo
Today · 4.125%
HK$92,577
baseline
▲ 0.50% · 4.625%
HK$97,457
+HK$4,880/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$185,154/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,741
−HK$5,941/mo
▼ 0.25% · 3.875%
HK$97,688
−HK$2,994/mo
Today · 4.125%
HK$100,682
baseline
▲ 0.50% · 4.625%
HK$106,808
+HK$6,126/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$201,364/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,398
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,225
−HK$2,867/mo
Today · 4.125%
HK$111,092
baseline
▲ 0.50% · 4.625%
HK$116,948
+HK$5,856/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$222,184/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,531
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$113,969
−HK$3,493/mo
Today · 4.125%
HK$117,462
baseline
▲ 0.50% · 4.625%
HK$124,609
+HK$7,147/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$234,924/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,964
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,262
−HK$3,346/mo
Today · 4.125%
HK$129,608
baseline
▲ 0.50% · 4.625%
HK$136,440
+HK$6,832/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$259,216/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,111
−HK$8,912/mo
▼ 0.25% · 3.875%
HK$146,531
−HK$4,492/mo
Today · 4.125%
HK$151,023
baseline
▲ 0.50% · 4.625%
HK$160,212
+HK$9,189/mo
Deposit HK$3.46M · loan HK$31.16M · min. income ≈ HK$302,046/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,097
−HK$8,542/mo
▼ 0.25% · 3.875%
HK$162,337
−HK$4,302/mo
Today · 4.125%
HK$166,639
baseline
▲ 0.50% · 4.625%
HK$175,422
+HK$8,783/mo
Deposit HK$3.46M · loan HK$31.16M · min. income ≈ HK$333,278/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,501 · Scale 2, in force from 26 Feb 2026)