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$78,572
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,016
−HK$2,483/mo
Today · 4.125%
HK$83,499
baseline
▲ 0.50% · 4.625%
HK$88,580
+HK$5,081/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$166,998/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,464,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,410
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,755
−HK$2,378/mo
Today · 4.125%
HK$92,133
baseline
▲ 0.50% · 4.625%
HK$96,989
+HK$4,856/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$184,266/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,464,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,286
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$97,219
−HK$2,980/mo
Today · 4.125%
HK$100,199
baseline
▲ 0.50% · 4.625%
HK$106,295
+HK$6,096/mo
Deposit HK$13.78M · loan HK$20.67M · min. income ≈ HK$200,398/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,892
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$107,705
−HK$2,854/mo
Today · 4.125%
HK$110,559
baseline
▲ 0.50% · 4.625%
HK$116,387
+HK$5,828/mo
Deposit HK$13.78M · loan HK$20.67M · min. income ≈ HK$221,118/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,000
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$113,422
−HK$3,476/mo
Today · 4.125%
HK$116,898
baseline
▲ 0.50% · 4.625%
HK$124,011
+HK$7,113/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$233,796/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,374
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,656
−HK$3,330/mo
Today · 4.125%
HK$128,986
baseline
▲ 0.50% · 4.625%
HK$135,785
+HK$6,799/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$257,972/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,429
−HK$8,869/mo
▼ 0.25% · 3.875%
HK$145,828
−HK$4,470/mo
Today · 4.125%
HK$150,298
baseline
▲ 0.50% · 4.625%
HK$159,443
+HK$9,145/mo
Deposit HK$3.45M · loan HK$31.01M · min. income ≈ HK$300,596/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,338
−HK$8,501/mo
▼ 0.25% · 3.875%
HK$161,558
−HK$4,281/mo
Today · 4.125%
HK$165,839
baseline
▲ 0.50% · 4.625%
HK$174,581
+HK$8,742/mo
Deposit HK$3.45M · loan HK$31.01M · min. income ≈ HK$331,678/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,440 · Scale 2, in force from 26 Feb 2026)