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$78,477
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,918
−HK$2,480/mo
Today · 4.125%
HK$83,398
baseline
▲ 0.50% · 4.625%
HK$88,473
+HK$5,075/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$166,796/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,305
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,646
−HK$2,376/mo
Today · 4.125%
HK$92,022
baseline
▲ 0.50% · 4.625%
HK$96,872
+HK$4,850/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$184,044/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,173
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,102
−HK$2,976/mo
Today · 4.125%
HK$100,078
baseline
▲ 0.50% · 4.625%
HK$106,167
+HK$6,089/mo
Deposit HK$13.77M · loan HK$20.65M · min. income ≈ HK$200,156/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,766
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$107,576
−HK$2,850/mo
Today · 4.125%
HK$110,426
baseline
▲ 0.50% · 4.625%
HK$116,247
+HK$5,821/mo
Deposit HK$13.77M · loan HK$20.65M · min. income ≈ HK$220,852/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,868
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$113,285
−HK$3,473/mo
Today · 4.125%
HK$116,758
baseline
▲ 0.50% · 4.625%
HK$123,862
+HK$7,104/mo
Deposit HK$10.32M · loan HK$24.09M · min. income ≈ HK$233,516/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,462,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,227
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$125,505
−HK$3,326/mo
Today · 4.125%
HK$128,831
baseline
▲ 0.50% · 4.625%
HK$135,621
+HK$6,790/mo
Deposit HK$10.32M · loan HK$24.09M · min. income ≈ HK$257,662/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,462,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,259
−HK$8,858/mo
▼ 0.25% · 3.875%
HK$145,653
−HK$4,464/mo
Today · 4.125%
HK$150,117
baseline
▲ 0.50% · 4.625%
HK$159,251
+HK$9,134/mo
Deposit HK$3.44M · loan HK$30.97M · min. income ≈ HK$300,234/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,149
−HK$8,490/mo
▼ 0.25% · 3.875%
HK$161,364
−HK$4,275/mo
Today · 4.125%
HK$165,639
baseline
▲ 0.50% · 4.625%
HK$174,370
+HK$8,731/mo
Deposit HK$3.44M · loan HK$30.97M · min. income ≈ HK$331,278/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,677 · Scale 2, in force from 26 Feb 2026)