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$1,469,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,682
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,034
−HK$2,386/mo
Today · 4.125%
HK$92,420
baseline
▲ 0.50% · 4.625%
HK$97,291
+HK$4,871/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$184,840/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,469,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,580
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,522
−HK$2,989/mo
Today · 4.125%
HK$100,511
baseline
▲ 0.50% · 4.625%
HK$106,627
+HK$6,116/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$201,022/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,469,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,219
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,041
−HK$2,863/mo
Today · 4.125%
HK$110,904
baseline
▲ 0.50% · 4.625%
HK$116,749
+HK$5,845/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$221,808/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,469,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,343
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,775
−HK$3,487/mo
Today · 4.125%
HK$117,262
baseline
▲ 0.50% · 4.625%
HK$124,398
+HK$7,136/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$1,469,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,755
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,048
−HK$3,340/mo
Today · 4.125%
HK$129,388
baseline
▲ 0.50% · 4.625%
HK$136,208
+HK$6,820/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$258,776/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,870
−HK$8,896/mo
▼ 0.25% · 3.875%
HK$146,282
−HK$4,484/mo
Today · 4.125%
HK$150,766
baseline
▲ 0.50% · 4.625%
HK$159,940
+HK$9,174/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$301,532/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,001 · 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$175,124
+HK$8,769/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$1,469,001 · Scale 2, in force from 26 Feb 2026)