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$78,891
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,345
−HK$2,493/mo
Today · 4.125%
HK$83,838
baseline
▲ 0.50% · 4.625%
HK$88,940
+HK$5,102/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$167,676/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,766
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,120
−HK$2,387/mo
Today · 4.125%
HK$92,507
baseline
▲ 0.50% · 4.625%
HK$97,384
+HK$4,877/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$185,014/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,670
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,614
−HK$2,992/mo
Today · 4.125%
HK$100,606
baseline
▲ 0.50% · 4.625%
HK$106,728
+HK$6,122/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$201,212/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,319
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,143
−HK$2,866/mo
Today · 4.125%
HK$111,009
baseline
▲ 0.50% · 4.625%
HK$116,860
+HK$5,851/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$222,018/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,448
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$113,883
−HK$3,491/mo
Today · 4.125%
HK$117,374
baseline
▲ 0.50% · 4.625%
HK$124,516
+HK$7,142/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$234,748/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,872
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$126,167
−HK$3,343/mo
Today · 4.125%
HK$129,510
baseline
▲ 0.50% · 4.625%
HK$136,337
+HK$6,827/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$259,020/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,004
−HK$8,905/mo
▼ 0.25% · 3.875%
HK$146,421
−HK$4,488/mo
Today · 4.125%
HK$150,909
baseline
▲ 0.50% · 4.625%
HK$160,092
+HK$9,183/mo
Deposit HK$3.46M · loan HK$31.14M · min. income ≈ HK$301,818/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,978
−HK$8,535/mo
▼ 0.25% · 3.875%
HK$162,215
−HK$4,298/mo
Today · 4.125%
HK$166,513
baseline
▲ 0.50% · 4.625%
HK$175,291
+HK$8,778/mo
Deposit HK$3.46M · loan HK$31.14M · min. income ≈ HK$333,026/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,396 · Scale 2, in force from 26 Feb 2026)