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$78,642
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,088
−HK$2,485/mo
Today · 4.125%
HK$83,573
baseline
▲ 0.50% · 4.625%
HK$88,659
+HK$5,086/mo
Deposit HK$17.24M · loan HK$17.24M · min. income ≈ HK$167,146/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,465,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,488
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,835
−HK$2,380/mo
Today · 4.125%
HK$92,215
baseline
▲ 0.50% · 4.625%
HK$97,076
+HK$4,861/mo
Deposit HK$17.24M · loan HK$17.24M · min. income ≈ HK$184,430/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,465,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,370
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,306
−HK$2,982/mo
Today · 4.125%
HK$100,288
baseline
▲ 0.50% · 4.625%
HK$106,390
+HK$6,102/mo
Deposit HK$13.80M · loan HK$20.69M · min. income ≈ HK$200,576/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,465,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,986
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$107,802
−HK$2,856/mo
Today · 4.125%
HK$110,658
baseline
▲ 0.50% · 4.625%
HK$116,491
+HK$5,833/mo
Deposit HK$13.80M · loan HK$20.69M · min. income ≈ HK$221,316/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,465,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,099
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$113,523
−HK$3,480/mo
Today · 4.125%
HK$117,003
baseline
▲ 0.50% · 4.625%
HK$124,122
+HK$7,119/mo
Deposit HK$10.35M · loan HK$24.14M · min. income ≈ HK$234,006/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,465,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,484
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$125,769
−HK$3,332/mo
Today · 4.125%
HK$129,101
baseline
▲ 0.50% · 4.625%
HK$135,906
+HK$6,805/mo
Deposit HK$10.35M · loan HK$24.14M · min. income ≈ HK$258,202/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,465,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,555
−HK$8,877/mo
▼ 0.25% · 3.875%
HK$145,959
−HK$4,473/mo
Today · 4.125%
HK$150,432
baseline
▲ 0.50% · 4.625%
HK$159,586
+HK$9,154/mo
Deposit HK$3.45M · loan HK$31.04M · min. income ≈ HK$300,864/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,465,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,479
−HK$8,508/mo
▼ 0.25% · 3.875%
HK$161,703
−HK$4,284/mo
Today · 4.125%
HK$165,987
baseline
▲ 0.50% · 4.625%
HK$174,737
+HK$8,750/mo
Deposit HK$3.45M · loan HK$31.04M · min. income ≈ HK$331,974/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,465,749 · Scale 2, in force from 26 Feb 2026)