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$78,737
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,186
−HK$2,489/mo
Today · 4.125%
HK$83,675
baseline
▲ 0.50% · 4.625%
HK$88,766
+HK$5,091/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$167,350/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,594
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,944
−HK$2,383/mo
Today · 4.125%
HK$92,327
baseline
▲ 0.50% · 4.625%
HK$97,193
+HK$4,866/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$184,654/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,485
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$97,424
−HK$2,986/mo
Today · 4.125%
HK$100,410
baseline
▲ 0.50% · 4.625%
HK$106,519
+HK$6,109/mo
Deposit HK$13.81M · loan HK$20.72M · min. income ≈ HK$200,820/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,113
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,932
−HK$2,860/mo
Today · 4.125%
HK$110,792
baseline
▲ 0.50% · 4.625%
HK$116,632
+HK$5,840/mo
Deposit HK$13.81M · loan HK$20.72M · min. income ≈ HK$221,584/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,232
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$113,661
−HK$3,484/mo
Today · 4.125%
HK$117,145
baseline
▲ 0.50% · 4.625%
HK$124,273
+HK$7,128/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$234,290/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,632
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$125,921
−HK$3,336/mo
Today · 4.125%
HK$129,257
baseline
▲ 0.50% · 4.625%
HK$136,071
+HK$6,814/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$258,514/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,727
−HK$8,887/mo
▼ 0.25% · 3.875%
HK$146,135
−HK$4,479/mo
Today · 4.125%
HK$150,614
baseline
▲ 0.50% · 4.625%
HK$159,779
+HK$9,165/mo
Deposit HK$3.45M · loan HK$31.08M · min. income ≈ HK$301,228/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,670
−HK$8,518/mo
▼ 0.25% · 3.875%
HK$161,898
−HK$4,290/mo
Today · 4.125%
HK$166,188
baseline
▲ 0.50% · 4.625%
HK$174,948
+HK$8,760/mo
Deposit HK$3.45M · loan HK$31.08M · min. income ≈ HK$332,376/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,524 · Scale 2, in force from 26 Feb 2026)