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$78,710
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,158
−HK$2,488/mo
Today · 4.125%
HK$83,646
baseline
▲ 0.50% · 4.625%
HK$88,735
+HK$5,089/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$167,292/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,564
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,912
−HK$2,383/mo
Today · 4.125%
HK$92,295
baseline
▲ 0.50% · 4.625%
HK$97,160
+HK$4,865/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$184,590/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,452
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,390
−HK$2,985/mo
Today · 4.125%
HK$100,375
baseline
▲ 0.50% · 4.625%
HK$106,482
+HK$6,107/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$200,750/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,467,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,077
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,895
−HK$2,859/mo
Today · 4.125%
HK$110,754
baseline
▲ 0.50% · 4.625%
HK$116,592
+HK$5,838/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$221,508/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,467,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,194
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$113,622
−HK$3,482/mo
Today · 4.125%
HK$117,104
baseline
▲ 0.50% · 4.625%
HK$124,230
+HK$7,126/mo
Deposit HK$10.36M · loan HK$24.16M · min. income ≈ HK$234,208/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,467,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,590
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$125,877
−HK$3,336/mo
Today · 4.125%
HK$129,213
baseline
▲ 0.50% · 4.625%
HK$136,024
+HK$6,811/mo
Deposit HK$10.36M · loan HK$24.16M · min. income ≈ HK$258,426/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,467,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,678
−HK$8,884/mo
▼ 0.25% · 3.875%
HK$146,085
−HK$4,477/mo
Today · 4.125%
HK$150,562
baseline
▲ 0.50% · 4.625%
HK$159,724
+HK$9,162/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$301,124/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,615
−HK$8,516/mo
▼ 0.25% · 3.875%
HK$161,842
−HK$4,289/mo
Today · 4.125%
HK$166,131
baseline
▲ 0.50% · 4.625%
HK$174,888
+HK$8,757/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$332,262/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,016 · Scale 2, in force from 26 Feb 2026)