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$78,959
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,415
−HK$2,496/mo
Today · 4.125%
HK$83,911
baseline
▲ 0.50% · 4.625%
HK$89,016
+HK$5,105/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$167,822/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,471,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,841
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,197
−HK$2,390/mo
Today · 4.125%
HK$92,587
baseline
▲ 0.50% · 4.625%
HK$97,467
+HK$4,880/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$185,174/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,471,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,751
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$97,698
−HK$2,995/mo
Today · 4.125%
HK$100,693
baseline
▲ 0.50% · 4.625%
HK$106,820
+HK$6,127/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$201,386/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,409
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$108,236
−HK$2,868/mo
Today · 4.125%
HK$111,104
baseline
▲ 0.50% · 4.625%
HK$116,961
+HK$5,857/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$222,208/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,543
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,981
−HK$3,494/mo
Today · 4.125%
HK$117,475
baseline
▲ 0.50% · 4.625%
HK$124,623
+HK$7,148/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$234,950/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,978
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,276
−HK$3,346/mo
Today · 4.125%
HK$129,622
baseline
▲ 0.50% · 4.625%
HK$136,454
+HK$6,832/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$259,244/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,126
−HK$8,913/mo
▼ 0.25% · 3.875%
HK$146,547
−HK$4,492/mo
Today · 4.125%
HK$151,039
baseline
▲ 0.50% · 4.625%
HK$160,229
+HK$9,190/mo
Deposit HK$3.46M · loan HK$31.16M · min. income ≈ HK$302,078/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,114
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$162,355
−HK$4,302/mo
Today · 4.125%
HK$166,657
baseline
▲ 0.50% · 4.625%
HK$175,441
+HK$8,784/mo
Deposit HK$3.46M · loan HK$31.16M · min. income ≈ HK$333,314/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,660 · Scale 2, in force from 26 Feb 2026)