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$78,975
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,432
−HK$2,496/mo
Today · 4.125%
HK$83,928
baseline
▲ 0.50% · 4.625%
HK$89,035
+HK$5,107/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$167,856/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,471,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,859
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,216
−HK$2,390/mo
Today · 4.125%
HK$92,606
baseline
▲ 0.50% · 4.625%
HK$97,487
+HK$4,881/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$185,212/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,471,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,770
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$97,718
−HK$2,995/mo
Today · 4.125%
HK$100,713
baseline
▲ 0.50% · 4.625%
HK$106,841
+HK$6,128/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$201,426/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,471,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,431
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$108,259
−HK$2,868/mo
Today · 4.125%
HK$111,127
baseline
▲ 0.50% · 4.625%
HK$116,985
+HK$5,858/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$222,254/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,471,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,565
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$114,005
−HK$3,494/mo
Today · 4.125%
HK$117,499
baseline
▲ 0.50% · 4.625%
HK$124,648
+HK$7,149/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$234,998/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,003
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$126,302
−HK$3,346/mo
Today · 4.125%
HK$129,648
baseline
▲ 0.50% · 4.625%
HK$136,482
+HK$6,834/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$259,296/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,156
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$146,577
−HK$4,493/mo
Today · 4.125%
HK$151,070
baseline
▲ 0.50% · 4.625%
HK$160,262
+HK$9,192/mo
Deposit HK$3.46M · loan HK$31.17M · min. income ≈ HK$302,140/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,471,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,147
−HK$8,544/mo
▼ 0.25% · 3.875%
HK$162,388
−HK$4,303/mo
Today · 4.125%
HK$166,691
baseline
▲ 0.50% · 4.625%
HK$175,477
+HK$8,786/mo
Deposit HK$3.46M · loan HK$31.17M · min. income ≈ HK$333,382/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,471,963 · Scale 2, in force from 26 Feb 2026)