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$78,806
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,257
−HK$2,491/mo
Today · 4.125%
HK$83,748
baseline
▲ 0.50% · 4.625%
HK$88,844
+HK$5,096/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$167,496/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,468,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,671
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,022
−HK$2,385/mo
Today · 4.125%
HK$92,407
baseline
▲ 0.50% · 4.625%
HK$97,278
+HK$4,871/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$184,814/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,468,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,567
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,509
−HK$2,988/mo
Today · 4.125%
HK$100,497
baseline
▲ 0.50% · 4.625%
HK$106,612
+HK$6,115/mo
Deposit HK$13.82M · loan HK$20.74M · min. income ≈ HK$200,994/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,205
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$108,026
−HK$2,863/mo
Today · 4.125%
HK$110,889
baseline
▲ 0.50% · 4.625%
HK$116,734
+HK$5,845/mo
Deposit HK$13.82M · loan HK$20.74M · min. income ≈ HK$221,778/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,328
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,760
−HK$3,487/mo
Today · 4.125%
HK$117,247
baseline
▲ 0.50% · 4.625%
HK$124,381
+HK$7,134/mo
Deposit HK$10.37M · loan HK$24.19M · min. income ≈ HK$234,494/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,468,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,739
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$126,031
−HK$3,339/mo
Today · 4.125%
HK$129,370
baseline
▲ 0.50% · 4.625%
HK$136,190
+HK$6,820/mo
Deposit HK$10.37M · loan HK$24.19M · min. income ≈ HK$258,740/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,468,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,851
−HK$8,895/mo
▼ 0.25% · 3.875%
HK$146,263
−HK$4,483/mo
Today · 4.125%
HK$150,746
baseline
▲ 0.50% · 4.625%
HK$159,918
+HK$9,172/mo
Deposit HK$3.46M · loan HK$31.10M · min. income ≈ HK$301,492/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,468,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,807
−HK$8,526/mo
▼ 0.25% · 3.875%
HK$162,040
−HK$4,293/mo
Today · 4.125%
HK$166,333
baseline
▲ 0.50% · 4.625%
HK$175,101
+HK$8,768/mo
Deposit HK$3.46M · loan HK$31.10M · min. income ≈ HK$332,666/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,468,804 · Scale 2, in force from 26 Feb 2026)