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$78,928
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,383
−HK$2,494/mo
Today · 4.125%
HK$83,877
baseline
▲ 0.50% · 4.625%
HK$88,981
+HK$5,104/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$167,754/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,806
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,161
−HK$2,389/mo
Today · 4.125%
HK$92,550
baseline
▲ 0.50% · 4.625%
HK$97,429
+HK$4,879/mo
Deposit HK$17.31M · loan HK$17.31M · min. income ≈ HK$185,100/mo (50% DSR)
Upfront cash ≈ HK$18.78M (deposit + AVD stamp duty HK$1,471,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,713
−HK$5,940/mo
▼ 0.25% · 3.875%
HK$97,659
−HK$2,994/mo
Today · 4.125%
HK$100,653
baseline
▲ 0.50% · 4.625%
HK$106,777
+HK$6,124/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$201,306/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,368
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,193
−HK$2,867/mo
Today · 4.125%
HK$111,060
baseline
▲ 0.50% · 4.625%
HK$116,914
+HK$5,854/mo
Deposit HK$13.85M · loan HK$20.77M · min. income ≈ HK$222,120/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,471,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,499
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,936
−HK$3,492/mo
Today · 4.125%
HK$117,428
baseline
▲ 0.50% · 4.625%
HK$124,573
+HK$7,145/mo
Deposit HK$10.38M · loan HK$24.23M · min. income ≈ HK$234,856/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,929
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,226
−HK$3,344/mo
Today · 4.125%
HK$129,570
baseline
▲ 0.50% · 4.625%
HK$136,400
+HK$6,830/mo
Deposit HK$10.38M · loan HK$24.23M · min. income ≈ HK$259,140/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,471,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,070
−HK$8,909/mo
▼ 0.25% · 3.875%
HK$146,489
−HK$4,490/mo
Today · 4.125%
HK$150,979
baseline
▲ 0.50% · 4.625%
HK$160,166
+HK$9,187/mo
Deposit HK$3.46M · loan HK$31.15M · min. income ≈ HK$301,958/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,051
−HK$8,539/mo
▼ 0.25% · 3.875%
HK$162,290
−HK$4,300/mo
Today · 4.125%
HK$166,590
baseline
▲ 0.50% · 4.625%
HK$175,372
+HK$8,782/mo
Deposit HK$3.46M · loan HK$31.15M · min. income ≈ HK$333,180/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,471,075 · Scale 2, in force from 26 Feb 2026)