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$78,953
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,409
−HK$2,495/mo
Today · 4.125%
HK$83,904
baseline
▲ 0.50% · 4.625%
HK$89,009
+HK$5,105/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$167,808/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,834
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,190
−HK$2,390/mo
Today · 4.125%
HK$92,580
baseline
▲ 0.50% · 4.625%
HK$97,460
+HK$4,880/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$185,160/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,743
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$97,691
−HK$2,994/mo
Today · 4.125%
HK$100,685
baseline
▲ 0.50% · 4.625%
HK$106,811
+HK$6,126/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$201,370/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,401
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$108,228
−HK$2,868/mo
Today · 4.125%
HK$111,096
baseline
▲ 0.50% · 4.625%
HK$116,952
+HK$5,856/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$222,192/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,534
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,972
−HK$3,494/mo
Today · 4.125%
HK$117,466
baseline
▲ 0.50% · 4.625%
HK$124,613
+HK$7,147/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$234,932/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,968
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,266
−HK$3,346/mo
Today · 4.125%
HK$129,612
baseline
▲ 0.50% · 4.625%
HK$136,444
+HK$6,832/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$259,224/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,115
−HK$8,912/mo
▼ 0.25% · 3.875%
HK$146,536
−HK$4,491/mo
Today · 4.125%
HK$151,027
baseline
▲ 0.50% · 4.625%
HK$160,217
+HK$9,190/mo
Deposit HK$3.46M · loan HK$31.16M · min. income ≈ HK$302,054/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,102
−HK$8,541/mo
▼ 0.25% · 3.875%
HK$162,342
−HK$4,301/mo
Today · 4.125%
HK$166,643
baseline
▲ 0.50% · 4.625%
HK$175,427
+HK$8,784/mo
Deposit HK$3.46M · loan HK$31.16M · min. income ≈ HK$333,286/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,545 · Scale 2, in force from 26 Feb 2026)