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$78,913
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,368
−HK$2,494/mo
Today · 4.125%
HK$83,862
baseline
▲ 0.50% · 4.625%
HK$88,965
+HK$5,103/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$167,724/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,790
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,145
−HK$2,388/mo
Today · 4.125%
HK$92,533
baseline
▲ 0.50% · 4.625%
HK$97,411
+HK$4,878/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$185,066/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,696
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,642
−HK$2,992/mo
Today · 4.125%
HK$100,634
baseline
▲ 0.50% · 4.625%
HK$106,758
+HK$6,124/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$201,268/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,348
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,174
−HK$2,866/mo
Today · 4.125%
HK$111,040
baseline
▲ 0.50% · 4.625%
HK$116,893
+HK$5,853/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$222,080/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,479
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$113,915
−HK$3,492/mo
Today · 4.125%
HK$117,407
baseline
▲ 0.50% · 4.625%
HK$124,551
+HK$7,144/mo
Deposit HK$10.38M · loan HK$24.23M · min. income ≈ HK$234,814/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,906
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,203
−HK$3,344/mo
Today · 4.125%
HK$129,547
baseline
▲ 0.50% · 4.625%
HK$136,375
+HK$6,828/mo
Deposit HK$10.38M · loan HK$24.23M · min. income ≈ HK$259,094/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,044
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$146,462
−HK$4,489/mo
Today · 4.125%
HK$150,951
baseline
▲ 0.50% · 4.625%
HK$160,136
+HK$9,185/mo
Deposit HK$3.46M · loan HK$31.15M · min. income ≈ HK$301,902/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,022
−HK$8,538/mo
▼ 0.25% · 3.875%
HK$162,261
−HK$4,299/mo
Today · 4.125%
HK$166,560
baseline
▲ 0.50% · 4.625%
HK$175,340
+HK$8,780/mo
Deposit HK$3.46M · loan HK$31.15M · min. income ≈ HK$333,120/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,807 · Scale 2, in force from 26 Feb 2026)