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$78,978
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,434
−HK$2,496/mo
Today · 4.125%
HK$83,930
baseline
▲ 0.50% · 4.625%
HK$89,037
+HK$5,107/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$167,860/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,472,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,862
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,218
−HK$2,391/mo
Today · 4.125%
HK$92,609
baseline
▲ 0.50% · 4.625%
HK$97,490
+HK$4,881/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$185,218/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,472,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,773
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$97,721
−HK$2,995/mo
Today · 4.125%
HK$100,716
baseline
▲ 0.50% · 4.625%
HK$106,844
+HK$6,128/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$201,432/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,434
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$108,262
−HK$2,868/mo
Today · 4.125%
HK$111,130
baseline
▲ 0.50% · 4.625%
HK$116,988
+HK$5,858/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$222,260/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,569
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$114,008
−HK$3,494/mo
Today · 4.125%
HK$117,502
baseline
▲ 0.50% · 4.625%
HK$124,652
+HK$7,150/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$235,004/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,472,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,006
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$126,305
−HK$3,347/mo
Today · 4.125%
HK$129,652
baseline
▲ 0.50% · 4.625%
HK$136,486
+HK$6,834/mo
Deposit HK$10.39M · loan HK$24.24M · min. income ≈ HK$259,304/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,472,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,160
−HK$8,914/mo
▼ 0.25% · 3.875%
HK$146,581
−HK$4,493/mo
Today · 4.125%
HK$151,074
baseline
▲ 0.50% · 4.625%
HK$160,267
+HK$9,193/mo
Deposit HK$3.46M · loan HK$31.17M · min. income ≈ HK$302,148/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,151
−HK$8,544/mo
▼ 0.25% · 3.875%
HK$162,393
−HK$4,302/mo
Today · 4.125%
HK$166,695
baseline
▲ 0.50% · 4.625%
HK$175,482
+HK$8,787/mo
Deposit HK$3.46M · loan HK$31.17M · min. income ≈ HK$333,390/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,003 · Scale 2, in force from 26 Feb 2026)