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$78,562
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$81,006
−HK$2,482/mo
Today · 4.125%
HK$83,488
baseline
▲ 0.50% · 4.625%
HK$88,569
+HK$5,081/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$166,976/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,464,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,399
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,743
−HK$2,378/mo
Today · 4.125%
HK$92,121
baseline
▲ 0.50% · 4.625%
HK$96,977
+HK$4,856/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$184,242/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,464,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,274
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$97,207
−HK$2,979/mo
Today · 4.125%
HK$100,186
baseline
▲ 0.50% · 4.625%
HK$106,282
+HK$6,096/mo
Deposit HK$13.78M · loan HK$20.67M · min. income ≈ HK$200,372/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,879
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$107,692
−HK$2,854/mo
Today · 4.125%
HK$110,546
baseline
▲ 0.50% · 4.625%
HK$116,373
+HK$5,827/mo
Deposit HK$13.78M · loan HK$20.67M · min. income ≈ HK$221,092/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,987
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$113,408
−HK$3,476/mo
Today · 4.125%
HK$116,884
baseline
▲ 0.50% · 4.625%
HK$123,996
+HK$7,112/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$233,768/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,359
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$125,641
−HK$3,329/mo
Today · 4.125%
HK$128,970
baseline
▲ 0.50% · 4.625%
HK$135,768
+HK$6,798/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$257,940/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,411
−HK$8,868/mo
▼ 0.25% · 3.875%
HK$145,810
−HK$4,469/mo
Today · 4.125%
HK$150,279
baseline
▲ 0.50% · 4.625%
HK$159,423
+HK$9,144/mo
Deposit HK$3.45M · loan HK$31.01M · min. income ≈ HK$300,558/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,319
−HK$8,499/mo
▼ 0.25% · 3.875%
HK$161,538
−HK$4,280/mo
Today · 4.125%
HK$165,818
baseline
▲ 0.50% · 4.625%
HK$174,559
+HK$8,741/mo
Deposit HK$3.45M · loan HK$31.01M · min. income ≈ HK$331,636/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,257 · Scale 2, in force from 26 Feb 2026)