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$78,854
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,307
−HK$2,492/mo
Today · 4.125%
HK$83,799
baseline
▲ 0.50% · 4.625%
HK$88,898
+HK$5,099/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$167,598/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,724
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,077
−HK$2,387/mo
Today · 4.125%
HK$92,464
baseline
▲ 0.50% · 4.625%
HK$97,337
+HK$4,873/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$184,928/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,625
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,568
−HK$2,990/mo
Today · 4.125%
HK$100,558
baseline
▲ 0.50% · 4.625%
HK$106,677
+HK$6,119/mo
Deposit HK$13.83M · loan HK$20.75M · min. income ≈ HK$201,116/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,269
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,092
−HK$2,864/mo
Today · 4.125%
HK$110,956
baseline
▲ 0.50% · 4.625%
HK$116,805
+HK$5,849/mo
Deposit HK$13.83M · loan HK$20.75M · min. income ≈ HK$221,912/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,395
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$113,829
−HK$3,489/mo
Today · 4.125%
HK$117,318
baseline
▲ 0.50% · 4.625%
HK$124,457
+HK$7,139/mo
Deposit HK$10.37M · loan HK$24.21M · min. income ≈ HK$234,636/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,814
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$126,108
−HK$3,341/mo
Today · 4.125%
HK$129,449
baseline
▲ 0.50% · 4.625%
HK$136,272
+HK$6,823/mo
Deposit HK$10.37M · loan HK$24.21M · min. income ≈ HK$258,898/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,937
−HK$8,901/mo
▼ 0.25% · 3.875%
HK$146,352
−HK$4,486/mo
Today · 4.125%
HK$150,838
baseline
▲ 0.50% · 4.625%
HK$160,016
+HK$9,178/mo
Deposit HK$3.46M · loan HK$31.12M · min. income ≈ HK$301,676/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,903
−HK$8,531/mo
▼ 0.25% · 3.875%
HK$162,138
−HK$4,296/mo
Today · 4.125%
HK$166,434
baseline
▲ 0.50% · 4.625%
HK$175,207
+HK$8,773/mo
Deposit HK$3.46M · loan HK$31.12M · min. income ≈ HK$332,868/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,698 · Scale 2, in force from 26 Feb 2026)