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$78,470
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,911
−HK$2,480/mo
Today · 4.125%
HK$83,391
baseline
▲ 0.50% · 4.625%
HK$88,465
+HK$5,074/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$166,782/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,297
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,638
−HK$2,376/mo
Today · 4.125%
HK$92,014
baseline
▲ 0.50% · 4.625%
HK$96,864
+HK$4,850/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$184,028/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,164
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$97,093
−HK$2,976/mo
Today · 4.125%
HK$100,069
baseline
▲ 0.50% · 4.625%
HK$106,158
+HK$6,089/mo
Deposit HK$13.77M · loan HK$20.65M · min. income ≈ HK$200,138/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,757
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$107,566
−HK$2,850/mo
Today · 4.125%
HK$110,416
baseline
▲ 0.50% · 4.625%
HK$116,236
+HK$5,820/mo
Deposit HK$13.77M · loan HK$20.65M · min. income ≈ HK$220,832/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,858
−HK$6,889/mo
▼ 0.25% · 3.875%
HK$113,275
−HK$3,472/mo
Today · 4.125%
HK$116,747
baseline
▲ 0.50% · 4.625%
HK$123,851
+HK$7,104/mo
Deposit HK$10.32M · loan HK$24.09M · min. income ≈ HK$233,494/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,462,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,216
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$125,494
−HK$3,325/mo
Today · 4.125%
HK$128,819
baseline
▲ 0.50% · 4.625%
HK$135,609
+HK$6,790/mo
Deposit HK$10.32M · loan HK$24.09M · min. income ≈ HK$257,638/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,462,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,246
−HK$8,857/mo
▼ 0.25% · 3.875%
HK$145,640
−HK$4,463/mo
Today · 4.125%
HK$150,103
baseline
▲ 0.50% · 4.625%
HK$159,237
+HK$9,134/mo
Deposit HK$3.44M · loan HK$30.97M · min. income ≈ HK$300,206/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,135
−HK$8,489/mo
▼ 0.25% · 3.875%
HK$161,349
−HK$4,275/mo
Today · 4.125%
HK$165,624
baseline
▲ 0.50% · 4.625%
HK$174,355
+HK$8,731/mo
Deposit HK$3.44M · loan HK$30.97M · min. income ≈ HK$331,248/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,545 · Scale 2, in force from 26 Feb 2026)