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$78,626
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,072
−HK$2,485/mo
Today · 4.125%
HK$83,557
baseline
▲ 0.50% · 4.625%
HK$88,641
+HK$5,084/mo
Deposit HK$17.24M · loan HK$17.24M · min. income ≈ HK$167,114/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,465,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,471
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,817
−HK$2,380/mo
Today · 4.125%
HK$92,197
baseline
▲ 0.50% · 4.625%
HK$97,057
+HK$4,860/mo
Deposit HK$17.24M · loan HK$17.24M · min. income ≈ HK$184,394/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,465,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,352
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$97,286
−HK$2,982/mo
Today · 4.125%
HK$100,268
baseline
▲ 0.50% · 4.625%
HK$106,369
+HK$6,101/mo
Deposit HK$13.79M · loan HK$20.69M · min. income ≈ HK$200,536/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,465,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,965
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$107,780
−HK$2,856/mo
Today · 4.125%
HK$110,636
baseline
▲ 0.50% · 4.625%
HK$116,468
+HK$5,832/mo
Deposit HK$13.79M · loan HK$20.69M · min. income ≈ HK$221,272/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,465,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,077
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$113,501
−HK$3,479/mo
Today · 4.125%
HK$116,980
baseline
▲ 0.50% · 4.625%
HK$124,098
+HK$7,118/mo
Deposit HK$10.34M · loan HK$24.14M · min. income ≈ HK$233,960/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,465,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,459
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$125,744
−HK$3,331/mo
Today · 4.125%
HK$129,075
baseline
▲ 0.50% · 4.625%
HK$135,879
+HK$6,804/mo
Deposit HK$10.34M · loan HK$24.14M · min. income ≈ HK$258,150/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,465,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,527
−HK$8,875/mo
▼ 0.25% · 3.875%
HK$145,930
−HK$4,472/mo
Today · 4.125%
HK$150,402
baseline
▲ 0.50% · 4.625%
HK$159,554
+HK$9,152/mo
Deposit HK$3.45M · loan HK$31.03M · min. income ≈ HK$300,804/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,465,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,448
−HK$8,506/mo
▼ 0.25% · 3.875%
HK$161,670
−HK$4,284/mo
Today · 4.125%
HK$165,954
baseline
▲ 0.50% · 4.625%
HK$174,702
+HK$8,748/mo
Deposit HK$3.45M · loan HK$31.03M · min. income ≈ HK$331,908/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,465,458 · Scale 2, in force from 26 Feb 2026)