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$78,517
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$80,959
−HK$2,481/mo
Today · 4.125%
HK$83,440
baseline
▲ 0.50% · 4.625%
HK$88,518
+HK$5,078/mo
Deposit HK$17.22M · loan HK$17.22M · min. income ≈ HK$166,880/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,349
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,692
−HK$2,376/mo
Today · 4.125%
HK$92,068
baseline
▲ 0.50% · 4.625%
HK$96,921
+HK$4,853/mo
Deposit HK$17.22M · loan HK$17.22M · min. income ≈ HK$184,136/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,220
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$97,151
−HK$2,977/mo
Today · 4.125%
HK$100,128
baseline
▲ 0.50% · 4.625%
HK$106,221
+HK$6,093/mo
Deposit HK$13.77M · loan HK$20.66M · min. income ≈ HK$200,256/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,463,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,819
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$107,630
−HK$2,852/mo
Today · 4.125%
HK$110,482
baseline
▲ 0.50% · 4.625%
HK$116,306
+HK$5,824/mo
Deposit HK$13.77M · loan HK$20.66M · min. income ≈ HK$220,964/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,463,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,923
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,343
−HK$3,474/mo
Today · 4.125%
HK$116,817
baseline
▲ 0.50% · 4.625%
HK$123,925
+HK$7,108/mo
Deposit HK$10.33M · loan HK$24.10M · min. income ≈ HK$233,634/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,463,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,289
−HK$6,606/mo
▼ 0.25% · 3.875%
HK$125,568
−HK$3,327/mo
Today · 4.125%
HK$128,895
baseline
▲ 0.50% · 4.625%
HK$135,690
+HK$6,795/mo
Deposit HK$10.33M · loan HK$24.10M · min. income ≈ HK$257,790/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,463,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,330
−HK$8,863/mo
▼ 0.25% · 3.875%
HK$145,726
−HK$4,467/mo
Today · 4.125%
HK$150,193
baseline
▲ 0.50% · 4.625%
HK$159,332
+HK$9,139/mo
Deposit HK$3.44M · loan HK$30.99M · min. income ≈ HK$300,386/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,228
−HK$8,495/mo
▼ 0.25% · 3.875%
HK$161,445
−HK$4,278/mo
Today · 4.125%
HK$165,723
baseline
▲ 0.50% · 4.625%
HK$174,458
+HK$8,735/mo
Deposit HK$3.44M · loan HK$30.99M · min. income ≈ HK$331,446/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,414 · Scale 2, in force from 26 Feb 2026)