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$78,883
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,337
−HK$2,493/mo
Today · 4.125%
HK$83,830
baseline
▲ 0.50% · 4.625%
HK$88,931
+HK$5,101/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$167,660/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,757
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,110
−HK$2,388/mo
Today · 4.125%
HK$92,498
baseline
▲ 0.50% · 4.625%
HK$97,374
+HK$4,876/mo
Deposit HK$17.30M · loan HK$17.30M · min. income ≈ HK$184,996/mo (50% DSR)
Upfront cash ≈ HK$18.77M (deposit + AVD stamp duty HK$1,470,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,660
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$97,604
−HK$2,992/mo
Today · 4.125%
HK$100,596
baseline
▲ 0.50% · 4.625%
HK$106,717
+HK$6,121/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$201,192/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,308
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$108,133
−HK$2,865/mo
Today · 4.125%
HK$110,998
baseline
▲ 0.50% · 4.625%
HK$116,849
+HK$5,851/mo
Deposit HK$13.84M · loan HK$20.76M · min. income ≈ HK$221,996/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,470,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,437
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$113,872
−HK$3,490/mo
Today · 4.125%
HK$117,362
baseline
▲ 0.50% · 4.625%
HK$124,503
+HK$7,141/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$234,724/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,860
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$126,155
−HK$3,342/mo
Today · 4.125%
HK$129,497
baseline
▲ 0.50% · 4.625%
HK$136,323
+HK$6,826/mo
Deposit HK$10.38M · loan HK$24.22M · min. income ≈ HK$258,994/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,470,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,990
−HK$8,904/mo
▼ 0.25% · 3.875%
HK$146,407
−HK$4,487/mo
Today · 4.125%
HK$150,894
baseline
▲ 0.50% · 4.625%
HK$160,076
+HK$9,182/mo
Deposit HK$3.46M · loan HK$31.13M · min. income ≈ HK$301,788/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,962
−HK$8,535/mo
▼ 0.25% · 3.875%
HK$162,199
−HK$4,298/mo
Today · 4.125%
HK$166,497
baseline
▲ 0.50% · 4.625%
HK$175,273
+HK$8,776/mo
Deposit HK$3.46M · loan HK$31.13M · min. income ≈ HK$332,994/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,470,248 · Scale 2, in force from 26 Feb 2026)