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$78,718
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,167
−HK$2,488/mo
Today · 4.125%
HK$83,655
baseline
▲ 0.50% · 4.625%
HK$88,745
+HK$5,090/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$167,310/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,573
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,922
−HK$2,383/mo
Today · 4.125%
HK$92,305
baseline
▲ 0.50% · 4.625%
HK$97,170
+HK$4,865/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$184,610/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,462
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,400
−HK$2,986/mo
Today · 4.125%
HK$100,386
baseline
▲ 0.50% · 4.625%
HK$106,494
+HK$6,108/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$200,772/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,088
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,906
−HK$2,860/mo
Today · 4.125%
HK$110,766
baseline
▲ 0.50% · 4.625%
HK$116,604
+HK$5,838/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$221,532/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,206
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,634
−HK$3,482/mo
Today · 4.125%
HK$117,116
baseline
▲ 0.50% · 4.625%
HK$124,243
+HK$7,127/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$234,232/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,603
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,891
−HK$3,335/mo
Today · 4.125%
HK$129,226
baseline
▲ 0.50% · 4.625%
HK$136,038
+HK$6,812/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$258,452/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,693
−HK$8,885/mo
▼ 0.25% · 3.875%
HK$146,100
−HK$4,478/mo
Today · 4.125%
HK$150,578
baseline
▲ 0.50% · 4.625%
HK$159,741
+HK$9,163/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$301,156/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,632
−HK$8,516/mo
▼ 0.25% · 3.875%
HK$161,860
−HK$4,288/mo
Today · 4.125%
HK$166,148
baseline
▲ 0.50% · 4.625%
HK$174,906
+HK$8,758/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$332,296/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,172 · Scale 2, in force from 26 Feb 2026)