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$78,908
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,363
−HK$2,493/mo
Today · 4.125%
HK$83,856
baseline
▲ 0.50% · 4.625%
HK$88,959
+HK$5,103/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$167,712/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,785
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,139
−HK$2,388/mo
Today · 4.125%
HK$92,527
baseline
▲ 0.50% · 4.625%
HK$97,405
+HK$4,878/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$185,054/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,690
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$97,635
−HK$2,993/mo
Today · 4.125%
HK$100,628
baseline
▲ 0.50% · 4.625%
HK$106,751
+HK$6,123/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$201,256/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,341
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,167
−HK$2,866/mo
Today · 4.125%
HK$111,033
baseline
▲ 0.50% · 4.625%
HK$116,885
+HK$5,852/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$222,066/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,471
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$113,908
−HK$3,491/mo
Today · 4.125%
HK$117,399
baseline
▲ 0.50% · 4.625%
HK$124,542
+HK$7,143/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$234,798/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,898
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$126,194
−HK$3,344/mo
Today · 4.125%
HK$129,538
baseline
▲ 0.50% · 4.625%
HK$136,366
+HK$6,828/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$259,076/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,035
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$146,453
−HK$4,489/mo
Today · 4.125%
HK$150,942
baseline
▲ 0.50% · 4.625%
HK$160,126
+HK$9,184/mo
Deposit HK$3.46M · loan HK$31.14M · min. income ≈ HK$301,884/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,012
−HK$8,537/mo
▼ 0.25% · 3.875%
HK$162,250
−HK$4,299/mo
Today · 4.125%
HK$166,549
baseline
▲ 0.50% · 4.625%
HK$175,328
+HK$8,779/mo
Deposit HK$3.46M · loan HK$31.14M · min. income ≈ HK$333,098/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,711 · Scale 2, in force from 26 Feb 2026)