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$78,906
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,361
−HK$2,494/mo
Today · 4.125%
HK$83,855
baseline
▲ 0.50% · 4.625%
HK$88,957
+HK$5,102/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$167,710/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,783
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,137
−HK$2,388/mo
Today · 4.125%
HK$92,525
baseline
▲ 0.50% · 4.625%
HK$97,402
+HK$4,877/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$185,050/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,688
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$97,633
−HK$2,992/mo
Today · 4.125%
HK$100,625
baseline
▲ 0.50% · 4.625%
HK$106,748
+HK$6,123/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$201,250/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,339
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$108,164
−HK$2,866/mo
Today · 4.125%
HK$111,030
baseline
▲ 0.50% · 4.625%
HK$116,883
+HK$5,853/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$222,060/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,469
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$113,905
−HK$3,491/mo
Today · 4.125%
HK$117,396
baseline
▲ 0.50% · 4.625%
HK$124,540
+HK$7,144/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$234,792/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,896
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$126,192
−HK$3,343/mo
Today · 4.125%
HK$129,535
baseline
▲ 0.50% · 4.625%
HK$136,363
+HK$6,828/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$259,070/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,032
−HK$8,906/mo
▼ 0.25% · 3.875%
HK$146,450
−HK$4,488/mo
Today · 4.125%
HK$150,938
baseline
▲ 0.50% · 4.625%
HK$160,122
+HK$9,184/mo
Deposit HK$3.46M · loan HK$31.14M · min. income ≈ HK$301,876/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,009
−HK$8,536/mo
▼ 0.25% · 3.875%
HK$162,246
−HK$4,299/mo
Today · 4.125%
HK$166,545
baseline
▲ 0.50% · 4.625%
HK$175,324
+HK$8,779/mo
Deposit HK$3.46M · loan HK$31.14M · min. income ≈ HK$333,090/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,678 · Scale 2, in force from 26 Feb 2026)