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$78,528
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,970
−HK$2,482/mo
Today · 4.125%
HK$83,452
baseline
▲ 0.50% · 4.625%
HK$88,530
+HK$5,078/mo
Deposit HK$17.22M · loan HK$17.22M · min. income ≈ HK$166,904/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,361
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,704
−HK$2,377/mo
Today · 4.125%
HK$92,081
baseline
▲ 0.50% · 4.625%
HK$96,935
+HK$4,854/mo
Deposit HK$17.22M · loan HK$17.22M · min. income ≈ HK$184,162/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,233
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$97,164
−HK$2,978/mo
Today · 4.125%
HK$100,142
baseline
▲ 0.50% · 4.625%
HK$106,236
+HK$6,094/mo
Deposit HK$13.78M · loan HK$20.66M · min. income ≈ HK$200,284/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,463,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,833
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$107,645
−HK$2,852/mo
Today · 4.125%
HK$110,497
baseline
▲ 0.50% · 4.625%
HK$116,322
+HK$5,825/mo
Deposit HK$13.78M · loan HK$20.66M · min. income ≈ HK$220,994/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,463,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,939
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,358
−HK$3,475/mo
Today · 4.125%
HK$116,833
baseline
▲ 0.50% · 4.625%
HK$123,942
+HK$7,109/mo
Deposit HK$10.33M · loan HK$24.11M · min. income ≈ HK$233,666/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,463,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,306
−HK$6,607/mo
▼ 0.25% · 3.875%
HK$125,586
−HK$3,327/mo
Today · 4.125%
HK$128,913
baseline
▲ 0.50% · 4.625%
HK$135,709
+HK$6,796/mo
Deposit HK$10.33M · loan HK$24.11M · min. income ≈ HK$257,826/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,463,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,350
−HK$8,863/mo
▼ 0.25% · 3.875%
HK$145,746
−HK$4,467/mo
Today · 4.125%
HK$150,213
baseline
▲ 0.50% · 4.625%
HK$159,354
+HK$9,141/mo
Deposit HK$3.44M · loan HK$30.99M · min. income ≈ HK$300,426/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,250
−HK$8,496/mo
▼ 0.25% · 3.875%
HK$161,467
−HK$4,279/mo
Today · 4.125%
HK$165,746
baseline
▲ 0.50% · 4.625%
HK$174,482
+HK$8,736/mo
Deposit HK$3.44M · loan HK$30.99M · min. income ≈ HK$331,492/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,617 · Scale 2, in force from 26 Feb 2026)