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$78,837
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,289
−HK$2,492/mo
Today · 4.125%
HK$83,781
baseline
▲ 0.50% · 4.625%
HK$88,879
+HK$5,098/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$167,562/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,705
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,058
−HK$2,386/mo
Today · 4.125%
HK$92,444
baseline
▲ 0.50% · 4.625%
HK$97,317
+HK$4,873/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$184,888/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,604
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,547
−HK$2,990/mo
Today · 4.125%
HK$100,537
baseline
▲ 0.50% · 4.625%
HK$106,654
+HK$6,117/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$201,074/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,246
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,069
−HK$2,864/mo
Today · 4.125%
HK$110,933
baseline
▲ 0.50% · 4.625%
HK$116,780
+HK$5,847/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$221,866/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,372
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$113,805
−HK$3,488/mo
Today · 4.125%
HK$117,293
baseline
▲ 0.50% · 4.625%
HK$124,430
+HK$7,137/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$234,586/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,787
−HK$6,634/mo
▼ 0.25% · 3.875%
HK$126,081
−HK$3,340/mo
Today · 4.125%
HK$129,421
baseline
▲ 0.50% · 4.625%
HK$136,243
+HK$6,822/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$258,842/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,907
−HK$8,898/mo
▼ 0.25% · 3.875%
HK$146,321
−HK$4,484/mo
Today · 4.125%
HK$150,805
baseline
▲ 0.50% · 4.625%
HK$159,981
+HK$9,176/mo
Deposit HK$3.46M · loan HK$31.12M · min. income ≈ HK$301,610/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,870
−HK$8,529/mo
▼ 0.25% · 3.875%
HK$162,104
−HK$4,295/mo
Today · 4.125%
HK$166,399
baseline
▲ 0.50% · 4.625%
HK$175,170
+HK$8,771/mo
Deposit HK$3.46M · loan HK$31.12M · min. income ≈ HK$332,798/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,384 · Scale 2, in force from 26 Feb 2026)