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$78,982
−HK$4,952/mo
▼ 0.25% · 3.875%
HK$81,438
−HK$2,496/mo
Today · 4.125%
HK$83,934
baseline
▲ 0.50% · 4.625%
HK$89,042
+HK$5,108/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$167,868/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,866
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,223
−HK$2,390/mo
Today · 4.125%
HK$92,613
baseline
▲ 0.50% · 4.625%
HK$97,495
+HK$4,882/mo
Deposit HK$17.32M · loan HK$17.32M · min. income ≈ HK$185,226/mo (50% DSR)
Upfront cash ≈ HK$18.79M (deposit + AVD stamp duty HK$1,472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,778
−HK$5,943/mo
▼ 0.25% · 3.875%
HK$97,726
−HK$2,995/mo
Today · 4.125%
HK$100,721
baseline
▲ 0.50% · 4.625%
HK$106,850
+HK$6,129/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$201,442/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,440
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$108,267
−HK$2,869/mo
Today · 4.125%
HK$111,136
baseline
▲ 0.50% · 4.625%
HK$116,994
+HK$5,858/mo
Deposit HK$13.85M · loan HK$20.78M · min. income ≈ HK$222,272/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,574
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$114,014
−HK$3,494/mo
Today · 4.125%
HK$117,508
baseline
▲ 0.50% · 4.625%
HK$124,658
+HK$7,150/mo
Deposit HK$10.39M · loan HK$24.25M · min. income ≈ HK$235,016/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,013
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$126,312
−HK$3,347/mo
Today · 4.125%
HK$129,659
baseline
▲ 0.50% · 4.625%
HK$136,493
+HK$6,834/mo
Deposit HK$10.39M · loan HK$24.25M · min. income ≈ HK$259,318/mo (50% DSR)
Upfront cash ≈ HK$11.86M (deposit + AVD stamp duty HK$1,472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,167
−HK$8,915/mo
▼ 0.25% · 3.875%
HK$146,589
−HK$4,493/mo
Today · 4.125%
HK$151,082
baseline
▲ 0.50% · 4.625%
HK$160,275
+HK$9,193/mo
Deposit HK$3.46M · loan HK$31.17M · min. income ≈ HK$302,164/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,159
−HK$8,545/mo
▼ 0.25% · 3.875%
HK$162,401
−HK$4,303/mo
Today · 4.125%
HK$166,704
baseline
▲ 0.50% · 4.625%
HK$175,491
+HK$8,787/mo
Deposit HK$3.46M · loan HK$31.17M · min. income ≈ HK$333,408/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,080 · Scale 2, in force from 26 Feb 2026)