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$78,933
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,389
−HK$2,494/mo
Today · 4.125%
HK$83,883
baseline
▲ 0.50% · 4.625%
HK$88,987
+HK$5,104/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$167,766/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,813
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,168
−HK$2,389/mo
Today · 4.125%
HK$92,557
baseline
▲ 0.50% · 4.625%
HK$97,436
+HK$4,879/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$185,114/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,720
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$97,666
−HK$2,994/mo
Today · 4.125%
HK$100,660
baseline
▲ 0.50% · 4.625%
HK$106,785
+HK$6,125/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$201,320/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,375
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$108,201
−HK$2,867/mo
Today · 4.125%
HK$111,068
baseline
▲ 0.50% · 4.625%
HK$116,923
+HK$5,855/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$222,136/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,507
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,944
−HK$3,492/mo
Today · 4.125%
HK$117,436
baseline
▲ 0.50% · 4.625%
HK$124,582
+HK$7,146/mo
Deposit HK$10.38M · loan HK$24.23M · min. income ≈ HK$234,872/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,938
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,235
−HK$3,344/mo
Today · 4.125%
HK$129,579
baseline
▲ 0.50% · 4.625%
HK$136,410
+HK$6,831/mo
Deposit HK$10.38M · loan HK$24.23M · min. income ≈ HK$259,158/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,080
−HK$8,910/mo
▼ 0.25% · 3.875%
HK$146,499
−HK$4,491/mo
Today · 4.125%
HK$150,990
baseline
▲ 0.50% · 4.625%
HK$160,177
+HK$9,187/mo
Deposit HK$3.46M · loan HK$31.15M · min. income ≈ HK$301,980/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,063
−HK$8,539/mo
▼ 0.25% · 3.875%
HK$162,302
−HK$4,300/mo
Today · 4.125%
HK$166,602
baseline
▲ 0.50% · 4.625%
HK$175,384
+HK$8,782/mo
Deposit HK$3.46M · loan HK$31.15M · min. income ≈ HK$333,204/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,180 · Scale 2, in force from 26 Feb 2026)