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$78,927
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,382
−HK$2,494/mo
Today · 4.125%
HK$83,876
baseline
▲ 0.50% · 4.625%
HK$88,980
+HK$5,104/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$167,752/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,806
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,160
−HK$2,389/mo
Today · 4.125%
HK$92,549
baseline
▲ 0.50% · 4.625%
HK$97,428
+HK$4,879/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$185,098/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,712
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$97,659
−HK$2,993/mo
Today · 4.125%
HK$100,652
baseline
▲ 0.50% · 4.625%
HK$106,776
+HK$6,124/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$201,304/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,367
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,193
−HK$2,866/mo
Today · 4.125%
HK$111,059
baseline
▲ 0.50% · 4.625%
HK$116,913
+HK$5,854/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$222,118/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,498
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,935
−HK$3,492/mo
Today · 4.125%
HK$117,427
baseline
▲ 0.50% · 4.625%
HK$124,572
+HK$7,145/mo
Deposit HK$10.38M · loan HK$24.23M · min. income ≈ HK$234,854/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,928
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,225
−HK$3,344/mo
Today · 4.125%
HK$129,569
baseline
▲ 0.50% · 4.625%
HK$136,399
+HK$6,830/mo
Deposit HK$10.38M · loan HK$24.23M · min. income ≈ HK$259,138/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,069
−HK$8,909/mo
▼ 0.25% · 3.875%
HK$146,488
−HK$4,490/mo
Today · 4.125%
HK$150,978
baseline
▲ 0.50% · 4.625%
HK$160,164
+HK$9,186/mo
Deposit HK$3.46M · loan HK$31.15M · min. income ≈ HK$301,956/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,050
−HK$8,539/mo
▼ 0.25% · 3.875%
HK$162,289
−HK$4,300/mo
Today · 4.125%
HK$166,589
baseline
▲ 0.50% · 4.625%
HK$175,370
+HK$8,781/mo
Deposit HK$3.46M · loan HK$31.15M · min. income ≈ HK$333,178/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,063 · Scale 2, in force from 26 Feb 2026)