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$78,860
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,313
−HK$2,492/mo
Today · 4.125%
HK$83,805
baseline
▲ 0.50% · 4.625%
HK$88,904
+HK$5,099/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$167,610/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,731
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,084
−HK$2,387/mo
Today · 4.125%
HK$92,471
baseline
▲ 0.50% · 4.625%
HK$97,345
+HK$4,874/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$184,942/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,632
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,575
−HK$2,991/mo
Today · 4.125%
HK$100,566
baseline
▲ 0.50% · 4.625%
HK$106,685
+HK$6,119/mo
Deposit HK$13.83M · loan HK$20.75M · min. income ≈ HK$201,132/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,277
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$108,100
−HK$2,865/mo
Today · 4.125%
HK$110,965
baseline
▲ 0.50% · 4.625%
HK$116,814
+HK$5,849/mo
Deposit HK$13.83M · loan HK$20.75M · min. income ≈ HK$221,930/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,404
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$113,838
−HK$3,489/mo
Today · 4.125%
HK$117,327
baseline
▲ 0.50% · 4.625%
HK$124,466
+HK$7,139/mo
Deposit HK$10.38M · loan HK$24.21M · min. income ≈ HK$234,654/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,823
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$126,117
−HK$3,342/mo
Today · 4.125%
HK$129,459
baseline
▲ 0.50% · 4.625%
HK$136,283
+HK$6,824/mo
Deposit HK$10.38M · loan HK$24.21M · min. income ≈ HK$258,918/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,948
−HK$8,901/mo
▼ 0.25% · 3.875%
HK$146,363
−HK$4,486/mo
Today · 4.125%
HK$150,849
baseline
▲ 0.50% · 4.625%
HK$160,028
+HK$9,179/mo
Deposit HK$3.46M · loan HK$31.13M · min. income ≈ HK$301,698/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,916
−HK$8,531/mo
▼ 0.25% · 3.875%
HK$162,151
−HK$4,296/mo
Today · 4.125%
HK$166,447
baseline
▲ 0.50% · 4.625%
HK$175,221
+HK$8,774/mo
Deposit HK$3.46M · loan HK$31.13M · min. income ≈ HK$332,894/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,811 · Scale 2, in force from 26 Feb 2026)