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$78,797
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,248
−HK$2,491/mo
Today · 4.125%
HK$83,739
baseline
▲ 0.50% · 4.625%
HK$88,834
+HK$5,095/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$167,478/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,468,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,661
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,012
−HK$2,385/mo
Today · 4.125%
HK$92,397
baseline
▲ 0.50% · 4.625%
HK$97,268
+HK$4,871/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$184,794/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,468,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,557
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,498
−HK$2,988/mo
Today · 4.125%
HK$100,486
baseline
▲ 0.50% · 4.625%
HK$106,601
+HK$6,115/mo
Deposit HK$13.82M · loan HK$20.73M · min. income ≈ HK$200,972/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,194
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,015
−HK$2,862/mo
Today · 4.125%
HK$110,877
baseline
▲ 0.50% · 4.625%
HK$116,721
+HK$5,844/mo
Deposit HK$13.82M · loan HK$20.73M · min. income ≈ HK$221,754/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,316
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$113,748
−HK$3,486/mo
Today · 4.125%
HK$117,234
baseline
▲ 0.50% · 4.625%
HK$124,368
+HK$7,134/mo
Deposit HK$10.37M · loan HK$24.19M · min. income ≈ HK$234,468/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,468,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,726
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$126,017
−HK$3,339/mo
Today · 4.125%
HK$129,356
baseline
▲ 0.50% · 4.625%
HK$136,175
+HK$6,819/mo
Deposit HK$10.37M · loan HK$24.19M · min. income ≈ HK$258,712/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,468,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,835
−HK$8,895/mo
▼ 0.25% · 3.875%
HK$146,247
−HK$4,483/mo
Today · 4.125%
HK$150,730
baseline
▲ 0.50% · 4.625%
HK$159,901
+HK$9,171/mo
Deposit HK$3.46M · loan HK$31.10M · min. income ≈ HK$301,460/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,468,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,790
−HK$8,525/mo
▼ 0.25% · 3.875%
HK$162,022
−HK$4,293/mo
Today · 4.125%
HK$166,315
baseline
▲ 0.50% · 4.625%
HK$175,082
+HK$8,767/mo
Deposit HK$3.46M · loan HK$31.10M · min. income ≈ HK$332,630/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,468,647 · Scale 2, in force from 26 Feb 2026)