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$78,724
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,172
−HK$2,488/mo
Today · 4.125%
HK$83,660
baseline
▲ 0.50% · 4.625%
HK$88,751
+HK$5,091/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$167,320/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,579
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,928
−HK$2,383/mo
Today · 4.125%
HK$92,311
baseline
▲ 0.50% · 4.625%
HK$97,177
+HK$4,866/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$184,622/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,468
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,407
−HK$2,985/mo
Today · 4.125%
HK$100,392
baseline
▲ 0.50% · 4.625%
HK$106,501
+HK$6,109/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$200,784/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,095
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,914
−HK$2,859/mo
Today · 4.125%
HK$110,773
baseline
▲ 0.50% · 4.625%
HK$116,612
+HK$5,839/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$221,546/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,213
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$113,641
−HK$3,483/mo
Today · 4.125%
HK$117,124
baseline
▲ 0.50% · 4.625%
HK$124,251
+HK$7,127/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$234,248/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,467,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,611
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$125,899
−HK$3,336/mo
Today · 4.125%
HK$129,235
baseline
▲ 0.50% · 4.625%
HK$136,047
+HK$6,812/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$258,470/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,467,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,702
−HK$8,886/mo
▼ 0.25% · 3.875%
HK$146,110
−HK$4,478/mo
Today · 4.125%
HK$150,588
baseline
▲ 0.50% · 4.625%
HK$159,751
+HK$9,163/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$301,176/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,642
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$161,870
−HK$4,289/mo
Today · 4.125%
HK$166,159
baseline
▲ 0.50% · 4.625%
HK$174,918
+HK$8,759/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$332,318/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,270 · Scale 2, in force from 26 Feb 2026)