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$78,940
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,395
−HK$2,495/mo
Today · 4.125%
HK$83,890
baseline
▲ 0.50% · 4.625%
HK$88,994
+HK$5,104/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$167,780/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,820
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,175
−HK$2,389/mo
Today · 4.125%
HK$92,564
baseline
▲ 0.50% · 4.625%
HK$97,443
+HK$4,879/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$185,128/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,728
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$97,674
−HK$2,994/mo
Today · 4.125%
HK$100,668
baseline
▲ 0.50% · 4.625%
HK$106,793
+HK$6,125/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$201,336/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,383
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$108,210
−HK$2,867/mo
Today · 4.125%
HK$111,077
baseline
▲ 0.50% · 4.625%
HK$116,932
+HK$5,855/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$222,154/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,516
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$113,953
−HK$3,493/mo
Today · 4.125%
HK$117,446
baseline
▲ 0.50% · 4.625%
HK$124,592
+HK$7,146/mo
Deposit HK$10.39M · loan HK$24.23M · min. income ≈ HK$234,892/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,947
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$126,245
−HK$3,345/mo
Today · 4.125%
HK$129,590
baseline
▲ 0.50% · 4.625%
HK$136,421
+HK$6,831/mo
Deposit HK$10.39M · loan HK$24.23M · min. income ≈ HK$259,180/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,091
−HK$8,911/mo
▼ 0.25% · 3.875%
HK$146,511
−HK$4,491/mo
Today · 4.125%
HK$151,002
baseline
▲ 0.50% · 4.625%
HK$160,190
+HK$9,188/mo
Deposit HK$3.46M · loan HK$31.16M · min. income ≈ HK$302,004/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,075
−HK$8,541/mo
▼ 0.25% · 3.875%
HK$162,315
−HK$4,301/mo
Today · 4.125%
HK$166,616
baseline
▲ 0.50% · 4.625%
HK$175,398
+HK$8,782/mo
Deposit HK$3.46M · loan HK$31.16M · min. income ≈ HK$333,232/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,298 · Scale 2, in force from 26 Feb 2026)