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$78,816
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,268
−HK$2,491/mo
Today · 4.125%
HK$83,759
baseline
▲ 0.50% · 4.625%
HK$88,855
+HK$5,096/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$167,518/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,468,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,682
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,034
−HK$2,385/mo
Today · 4.125%
HK$92,419
baseline
▲ 0.50% · 4.625%
HK$97,291
+HK$4,872/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$184,838/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,468,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,579
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,521
−HK$2,989/mo
Today · 4.125%
HK$100,510
baseline
▲ 0.50% · 4.625%
HK$106,626
+HK$6,116/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$201,020/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,218
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,040
−HK$2,863/mo
Today · 4.125%
HK$110,903
baseline
▲ 0.50% · 4.625%
HK$116,749
+HK$5,846/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$221,806/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,342
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$113,775
−HK$3,487/mo
Today · 4.125%
HK$117,262
baseline
▲ 0.50% · 4.625%
HK$124,397
+HK$7,135/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$234,524/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,468,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,755
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,047
−HK$3,340/mo
Today · 4.125%
HK$129,387
baseline
▲ 0.50% · 4.625%
HK$136,207
+HK$6,820/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$258,774/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,468,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,869
−HK$8,896/mo
▼ 0.25% · 3.875%
HK$146,282
−HK$4,483/mo
Today · 4.125%
HK$150,765
baseline
▲ 0.50% · 4.625%
HK$159,939
+HK$9,174/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$301,530/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,468,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,828
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$162,061
−HK$4,294/mo
Today · 4.125%
HK$166,355
baseline
▲ 0.50% · 4.625%
HK$175,123
+HK$8,768/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$332,710/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,468,994 · Scale 2, in force from 26 Feb 2026)