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$78,971
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,428
−HK$2,496/mo
Today · 4.125%
HK$83,924
baseline
▲ 0.50% · 4.625%
HK$89,030
+HK$5,106/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$167,848/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,471,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,855
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,211
−HK$2,391/mo
Today · 4.125%
HK$92,602
baseline
▲ 0.50% · 4.625%
HK$97,483
+HK$4,881/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$185,204/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,471,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,766
−HK$5,942/mo
▼ 0.25% · 3.875%
HK$97,714
−HK$2,994/mo
Today · 4.125%
HK$100,708
baseline
▲ 0.50% · 4.625%
HK$106,836
+HK$6,128/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$201,416/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,426
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$108,253
−HK$2,869/mo
Today · 4.125%
HK$111,122
baseline
▲ 0.50% · 4.625%
HK$116,979
+HK$5,857/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$222,244/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,560
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$113,999
−HK$3,494/mo
Today · 4.125%
HK$117,493
baseline
▲ 0.50% · 4.625%
HK$124,642
+HK$7,149/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$234,986/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,997
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$126,296
−HK$3,346/mo
Today · 4.125%
HK$129,642
baseline
▲ 0.50% · 4.625%
HK$136,476
+HK$6,834/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$259,284/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,149
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$146,570
−HK$4,493/mo
Today · 4.125%
HK$151,063
baseline
▲ 0.50% · 4.625%
HK$160,254
+HK$9,191/mo
Deposit HK$3.46M · loan HK$31.17M · min. income ≈ HK$302,126/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,471,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,139
−HK$8,544/mo
▼ 0.25% · 3.875%
HK$162,380
−HK$4,303/mo
Today · 4.125%
HK$166,683
baseline
▲ 0.50% · 4.625%
HK$175,469
+HK$8,786/mo
Deposit HK$3.46M · loan HK$31.17M · min. income ≈ HK$333,366/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,471,891 · Scale 2, in force from 26 Feb 2026)