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$78,888
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,342
−HK$2,493/mo
Today · 4.125%
HK$83,835
baseline
▲ 0.50% · 4.625%
HK$88,936
+HK$5,101/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$167,670/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,762
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,116
−HK$2,388/mo
Today · 4.125%
HK$92,504
baseline
▲ 0.50% · 4.625%
HK$97,380
+HK$4,876/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$185,008/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,666
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,611
−HK$2,991/mo
Today · 4.125%
HK$100,602
baseline
▲ 0.50% · 4.625%
HK$106,724
+HK$6,122/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$201,204/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,315
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,139
−HK$2,866/mo
Today · 4.125%
HK$111,005
baseline
▲ 0.50% · 4.625%
HK$116,856
+HK$5,851/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$222,010/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,444
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$113,879
−HK$3,490/mo
Today · 4.125%
HK$117,369
baseline
▲ 0.50% · 4.625%
HK$124,511
+HK$7,142/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$234,738/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,867
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$126,163
−HK$3,343/mo
Today · 4.125%
HK$129,506
baseline
▲ 0.50% · 4.625%
HK$136,332
+HK$6,826/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$259,012/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,999
−HK$8,905/mo
▼ 0.25% · 3.875%
HK$146,416
−HK$4,488/mo
Today · 4.125%
HK$150,904
baseline
▲ 0.50% · 4.625%
HK$160,086
+HK$9,182/mo
Deposit HK$3.46M · loan HK$31.14M · min. income ≈ HK$301,808/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,972
−HK$8,535/mo
▼ 0.25% · 3.875%
HK$162,209
−HK$4,298/mo
Today · 4.125%
HK$166,507
baseline
▲ 0.50% · 4.625%
HK$175,284
+HK$8,777/mo
Deposit HK$3.46M · loan HK$31.14M · min. income ≈ HK$333,014/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,341 · Scale 2, in force from 26 Feb 2026)