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$78,894
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,348
−HK$2,494/mo
Today · 4.125%
HK$83,842
baseline
▲ 0.50% · 4.625%
HK$88,943
+HK$5,101/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$167,684/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,769
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,123
−HK$2,388/mo
Today · 4.125%
HK$92,511
baseline
▲ 0.50% · 4.625%
HK$97,387
+HK$4,876/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$185,022/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,673
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$97,618
−HK$2,992/mo
Today · 4.125%
HK$100,610
baseline
▲ 0.50% · 4.625%
HK$106,732
+HK$6,122/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$201,220/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,323
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,147
−HK$2,866/mo
Today · 4.125%
HK$111,013
baseline
▲ 0.50% · 4.625%
HK$116,865
+HK$5,852/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$222,026/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,452
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$113,888
−HK$3,490/mo
Today · 4.125%
HK$117,378
baseline
▲ 0.50% · 4.625%
HK$124,520
+HK$7,142/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$234,756/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,877
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$126,172
−HK$3,343/mo
Today · 4.125%
HK$129,515
baseline
▲ 0.50% · 4.625%
HK$136,342
+HK$6,827/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$259,030/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,010
−HK$8,905/mo
▼ 0.25% · 3.875%
HK$146,427
−HK$4,488/mo
Today · 4.125%
HK$150,915
baseline
▲ 0.50% · 4.625%
HK$160,098
+HK$9,183/mo
Deposit HK$3.46M · loan HK$31.14M · min. income ≈ HK$301,830/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,984
−HK$8,536/mo
▼ 0.25% · 3.875%
HK$162,221
−HK$4,299/mo
Today · 4.125%
HK$166,520
baseline
▲ 0.50% · 4.625%
HK$175,297
+HK$8,777/mo
Deposit HK$3.46M · loan HK$31.14M · min. income ≈ HK$333,040/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,450 · Scale 2, in force from 26 Feb 2026)