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$78,811
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,263
−HK$2,491/mo
Today · 4.125%
HK$83,754
baseline
▲ 0.50% · 4.625%
HK$88,850
+HK$5,096/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$167,508/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,468,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,677
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,028
−HK$2,386/mo
Today · 4.125%
HK$92,414
baseline
▲ 0.50% · 4.625%
HK$97,285
+HK$4,871/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$184,828/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,468,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,574
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,515
−HK$2,989/mo
Today · 4.125%
HK$100,504
baseline
▲ 0.50% · 4.625%
HK$106,620
+HK$6,116/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$201,008/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,212
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,034
−HK$2,863/mo
Today · 4.125%
HK$110,897
baseline
▲ 0.50% · 4.625%
HK$116,742
+HK$5,845/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$221,794/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,336
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,768
−HK$3,487/mo
Today · 4.125%
HK$117,255
baseline
▲ 0.50% · 4.625%
HK$124,390
+HK$7,135/mo
Deposit HK$10.37M · loan HK$24.19M · min. income ≈ HK$234,510/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,468,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,748
−HK$6,631/mo
▼ 0.25% · 3.875%
HK$126,040
−HK$3,339/mo
Today · 4.125%
HK$129,379
baseline
▲ 0.50% · 4.625%
HK$136,199
+HK$6,820/mo
Deposit HK$10.37M · loan HK$24.19M · min. income ≈ HK$258,758/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,468,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,861
−HK$8,895/mo
▼ 0.25% · 3.875%
HK$146,273
−HK$4,483/mo
Today · 4.125%
HK$150,756
baseline
▲ 0.50% · 4.625%
HK$159,930
+HK$9,174/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$301,512/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,468,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,818
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$162,051
−HK$4,294/mo
Today · 4.125%
HK$166,345
baseline
▲ 0.50% · 4.625%
HK$175,113
+HK$8,768/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$332,690/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,468,907 · Scale 2, in force from 26 Feb 2026)