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$78,834
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,286
−HK$2,491/mo
Today · 4.125%
HK$83,777
baseline
▲ 0.50% · 4.625%
HK$88,875
+HK$5,098/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$167,554/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,702
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,054
−HK$2,386/mo
Today · 4.125%
HK$92,440
baseline
▲ 0.50% · 4.625%
HK$97,313
+HK$4,873/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$184,880/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,600
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,543
−HK$2,990/mo
Today · 4.125%
HK$100,533
baseline
▲ 0.50% · 4.625%
HK$106,650
+HK$6,117/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$201,066/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,242
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,065
−HK$2,863/mo
Today · 4.125%
HK$110,928
baseline
▲ 0.50% · 4.625%
HK$116,775
+HK$5,847/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$221,856/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,367
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$113,800
−HK$3,488/mo
Today · 4.125%
HK$117,288
baseline
▲ 0.50% · 4.625%
HK$124,425
+HK$7,137/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$234,576/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,782
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,075
−HK$3,341/mo
Today · 4.125%
HK$129,416
baseline
▲ 0.50% · 4.625%
HK$136,238
+HK$6,822/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$258,832/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,901
−HK$8,898/mo
▼ 0.25% · 3.875%
HK$146,315
−HK$4,484/mo
Today · 4.125%
HK$150,799
baseline
▲ 0.50% · 4.625%
HK$159,975
+HK$9,176/mo
Deposit HK$3.46M · loan HK$31.12M · min. income ≈ HK$301,598/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,863
−HK$8,529/mo
▼ 0.25% · 3.875%
HK$162,097
−HK$4,295/mo
Today · 4.125%
HK$166,392
baseline
▲ 0.50% · 4.625%
HK$175,163
+HK$8,771/mo
Deposit HK$3.46M · loan HK$31.12M · min. income ≈ HK$332,784/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,323 · Scale 2, in force from 26 Feb 2026)