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$78,749
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,198
−HK$2,489/mo
Today · 4.125%
HK$83,687
baseline
▲ 0.50% · 4.625%
HK$88,779
+HK$5,092/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$167,374/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,607
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$89,957
−HK$2,383/mo
Today · 4.125%
HK$92,340
baseline
▲ 0.50% · 4.625%
HK$97,208
+HK$4,868/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$184,680/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,498
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,438
−HK$2,986/mo
Today · 4.125%
HK$100,424
baseline
▲ 0.50% · 4.625%
HK$106,535
+HK$6,111/mo
Deposit HK$13.81M · loan HK$20.72M · min. income ≈ HK$200,848/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,129
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,948
−HK$2,860/mo
Today · 4.125%
HK$110,808
baseline
▲ 0.50% · 4.625%
HK$116,649
+HK$5,841/mo
Deposit HK$13.81M · loan HK$20.72M · min. income ≈ HK$221,616/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,248
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,677
−HK$3,485/mo
Today · 4.125%
HK$117,162
baseline
▲ 0.50% · 4.625%
HK$124,291
+HK$7,129/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$234,324/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,650
−HK$6,626/mo
▼ 0.25% · 3.875%
HK$125,939
−HK$3,337/mo
Today · 4.125%
HK$129,276
baseline
▲ 0.50% · 4.625%
HK$136,091
+HK$6,815/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$258,552/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,748
−HK$8,888/mo
▼ 0.25% · 3.875%
HK$146,157
−HK$4,479/mo
Today · 4.125%
HK$150,636
baseline
▲ 0.50% · 4.625%
HK$159,802
+HK$9,166/mo
Deposit HK$3.45M · loan HK$31.08M · min. income ≈ HK$301,272/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,693
−HK$8,519/mo
▼ 0.25% · 3.875%
HK$161,922
−HK$4,290/mo
Today · 4.125%
HK$166,212
baseline
▲ 0.50% · 4.625%
HK$174,974
+HK$8,762/mo
Deposit HK$3.45M · loan HK$31.08M · min. income ≈ HK$332,424/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,738 · Scale 2, in force from 26 Feb 2026)