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$78,801
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,252
−HK$2,490/mo
Today · 4.125%
HK$83,742
baseline
▲ 0.50% · 4.625%
HK$88,838
+HK$5,096/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$167,484/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,468,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,665
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,016
−HK$2,385/mo
Today · 4.125%
HK$92,401
baseline
▲ 0.50% · 4.625%
HK$97,272
+HK$4,871/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$184,802/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,468,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,561
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,502
−HK$2,989/mo
Today · 4.125%
HK$100,491
baseline
▲ 0.50% · 4.625%
HK$106,605
+HK$6,114/mo
Deposit HK$13.82M · loan HK$20.73M · min. income ≈ HK$200,982/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,198
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,019
−HK$2,862/mo
Today · 4.125%
HK$110,881
baseline
▲ 0.50% · 4.625%
HK$116,726
+HK$5,845/mo
Deposit HK$13.82M · loan HK$20.73M · min. income ≈ HK$221,762/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,321
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$113,753
−HK$3,486/mo
Today · 4.125%
HK$117,239
baseline
▲ 0.50% · 4.625%
HK$124,373
+HK$7,134/mo
Deposit HK$10.37M · loan HK$24.19M · min. income ≈ HK$234,478/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,468,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,731
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$126,022
−HK$3,340/mo
Today · 4.125%
HK$129,362
baseline
▲ 0.50% · 4.625%
HK$136,180
+HK$6,818/mo
Deposit HK$10.37M · loan HK$24.19M · min. income ≈ HK$258,724/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,468,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,841
−HK$8,895/mo
▼ 0.25% · 3.875%
HK$146,253
−HK$4,483/mo
Today · 4.125%
HK$150,736
baseline
▲ 0.50% · 4.625%
HK$159,908
+HK$9,172/mo
Deposit HK$3.46M · loan HK$31.10M · min. income ≈ HK$301,472/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,468,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,797
−HK$8,525/mo
▼ 0.25% · 3.875%
HK$162,029
−HK$4,293/mo
Today · 4.125%
HK$166,322
baseline
▲ 0.50% · 4.625%
HK$175,089
+HK$8,767/mo
Deposit HK$3.46M · loan HK$31.10M · min. income ≈ HK$332,644/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,468,707 · Scale 2, in force from 26 Feb 2026)