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$78,963
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$81,419
−HK$2,495/mo
Today · 4.125%
HK$83,914
baseline
▲ 0.50% · 4.625%
HK$89,020
+HK$5,106/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$167,828/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,471,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,845
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$90,201
−HK$2,390/mo
Today · 4.125%
HK$92,591
baseline
▲ 0.50% · 4.625%
HK$97,472
+HK$4,881/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$185,182/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,471,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,755
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$97,703
−HK$2,994/mo
Today · 4.125%
HK$100,697
baseline
▲ 0.50% · 4.625%
HK$106,824
+HK$6,127/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$201,394/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,414
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$108,241
−HK$2,869/mo
Today · 4.125%
HK$111,110
baseline
▲ 0.50% · 4.625%
HK$116,966
+HK$5,856/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$222,220/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,548
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,986
−HK$3,494/mo
Today · 4.125%
HK$117,480
baseline
▲ 0.50% · 4.625%
HK$124,629
+HK$7,149/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$234,960/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,983
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$126,282
−HK$3,346/mo
Today · 4.125%
HK$129,628
baseline
▲ 0.50% · 4.625%
HK$136,461
+HK$6,833/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$259,256/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,133
−HK$8,913/mo
▼ 0.25% · 3.875%
HK$146,554
−HK$4,492/mo
Today · 4.125%
HK$151,046
baseline
▲ 0.50% · 4.625%
HK$160,237
+HK$9,191/mo
Deposit HK$3.46M · loan HK$31.17M · min. income ≈ HK$302,092/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,121
−HK$8,543/mo
▼ 0.25% · 3.875%
HK$162,362
−HK$4,302/mo
Today · 4.125%
HK$166,664
baseline
▲ 0.50% · 4.625%
HK$175,449
+HK$8,785/mo
Deposit HK$3.46M · loan HK$31.17M · min. income ≈ HK$333,328/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,728 · Scale 2, in force from 26 Feb 2026)