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$78,722
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,171
−HK$2,487/mo
Today · 4.125%
HK$83,658
baseline
▲ 0.50% · 4.625%
HK$88,749
+HK$5,091/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$167,316/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,577
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,926
−HK$2,383/mo
Today · 4.125%
HK$92,309
baseline
▲ 0.50% · 4.625%
HK$97,174
+HK$4,865/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$184,618/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,466
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,405
−HK$2,985/mo
Today · 4.125%
HK$100,390
baseline
▲ 0.50% · 4.625%
HK$106,499
+HK$6,109/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$200,780/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,093
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,911
−HK$2,860/mo
Today · 4.125%
HK$110,771
baseline
▲ 0.50% · 4.625%
HK$116,609
+HK$5,838/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$221,542/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,211
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$113,639
−HK$3,483/mo
Today · 4.125%
HK$117,122
baseline
▲ 0.50% · 4.625%
HK$124,248
+HK$7,126/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$234,244/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,467,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,608
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$125,896
−HK$3,336/mo
Today · 4.125%
HK$129,232
baseline
▲ 0.50% · 4.625%
HK$136,044
+HK$6,812/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$258,464/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,467,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,699
−HK$8,886/mo
▼ 0.25% · 3.875%
HK$146,107
−HK$4,478/mo
Today · 4.125%
HK$150,585
baseline
▲ 0.50% · 4.625%
HK$159,748
+HK$9,163/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$301,170/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,639
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$161,867
−HK$4,289/mo
Today · 4.125%
HK$166,156
baseline
▲ 0.50% · 4.625%
HK$174,914
+HK$8,758/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$332,312/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,238 · Scale 2, in force from 26 Feb 2026)