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$78,915
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,370
−HK$2,494/mo
Today · 4.125%
HK$83,864
baseline
▲ 0.50% · 4.625%
HK$88,967
+HK$5,103/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$167,728/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,792
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,147
−HK$2,389/mo
Today · 4.125%
HK$92,536
baseline
▲ 0.50% · 4.625%
HK$97,413
+HK$4,877/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$185,072/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,698
−HK$5,939/mo
▼ 0.25% · 3.875%
HK$97,644
−HK$2,993/mo
Today · 4.125%
HK$100,637
baseline
▲ 0.50% · 4.625%
HK$106,760
+HK$6,123/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$201,274/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,351
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$108,176
−HK$2,867/mo
Today · 4.125%
HK$111,043
baseline
▲ 0.50% · 4.625%
HK$116,896
+HK$5,853/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$222,086/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,481
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,918
−HK$3,492/mo
Today · 4.125%
HK$117,410
baseline
▲ 0.50% · 4.625%
HK$124,554
+HK$7,144/mo
Deposit HK$10.38M · loan HK$24.23M · min. income ≈ HK$234,820/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,909
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,206
−HK$3,344/mo
Today · 4.125%
HK$129,550
baseline
▲ 0.50% · 4.625%
HK$136,379
+HK$6,829/mo
Deposit HK$10.38M · loan HK$24.23M · min. income ≈ HK$259,100/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,048
−HK$8,907/mo
▼ 0.25% · 3.875%
HK$146,466
−HK$4,489/mo
Today · 4.125%
HK$150,955
baseline
▲ 0.50% · 4.625%
HK$160,140
+HK$9,185/mo
Deposit HK$3.46M · loan HK$31.15M · min. income ≈ HK$301,910/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,026
−HK$8,538/mo
▼ 0.25% · 3.875%
HK$162,265
−HK$4,299/mo
Today · 4.125%
HK$166,564
baseline
▲ 0.50% · 4.625%
HK$175,344
+HK$8,780/mo
Deposit HK$3.46M · loan HK$31.15M · min. income ≈ HK$333,128/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,844 · Scale 2, in force from 26 Feb 2026)