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$78,560
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$81,003
−HK$2,483/mo
Today · 4.125%
HK$83,486
baseline
▲ 0.50% · 4.625%
HK$88,566
+HK$5,080/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$166,972/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,464,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,397
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,741
−HK$2,378/mo
Today · 4.125%
HK$92,119
baseline
▲ 0.50% · 4.625%
HK$96,974
+HK$4,855/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$184,238/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,464,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,272
−HK$5,911/mo
▼ 0.25% · 3.875%
HK$97,204
−HK$2,979/mo
Today · 4.125%
HK$100,183
baseline
▲ 0.50% · 4.625%
HK$106,279
+HK$6,096/mo
Deposit HK$13.78M · loan HK$20.67M · min. income ≈ HK$200,366/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,876
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$107,689
−HK$2,853/mo
Today · 4.125%
HK$110,542
baseline
▲ 0.50% · 4.625%
HK$116,369
+HK$5,827/mo
Deposit HK$13.78M · loan HK$20.67M · min. income ≈ HK$221,084/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,983
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$113,405
−HK$3,475/mo
Today · 4.125%
HK$116,880
baseline
▲ 0.50% · 4.625%
HK$123,992
+HK$7,112/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$233,760/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,355
−HK$6,611/mo
▼ 0.25% · 3.875%
HK$125,637
−HK$3,329/mo
Today · 4.125%
HK$128,966
baseline
▲ 0.50% · 4.625%
HK$135,764
+HK$6,798/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$257,932/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,407
−HK$8,868/mo
▼ 0.25% · 3.875%
HK$145,806
−HK$4,469/mo
Today · 4.125%
HK$150,275
baseline
▲ 0.50% · 4.625%
HK$159,419
+HK$9,144/mo
Deposit HK$3.45M · loan HK$31.01M · min. income ≈ HK$300,550/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,314
−HK$8,499/mo
▼ 0.25% · 3.875%
HK$161,533
−HK$4,280/mo
Today · 4.125%
HK$165,813
baseline
▲ 0.50% · 4.625%
HK$174,554
+HK$8,741/mo
Deposit HK$3.45M · loan HK$31.01M · min. income ≈ HK$331,626/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,214 · Scale 2, in force from 26 Feb 2026)