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$78,490
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$80,932
−HK$2,480/mo
Today · 4.125%
HK$83,412
baseline
▲ 0.50% · 4.625%
HK$88,488
+HK$5,076/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$166,824/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,320
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,662
−HK$2,375/mo
Today · 4.125%
HK$92,037
baseline
▲ 0.50% · 4.625%
HK$96,889
+HK$4,852/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$184,074/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,188
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$97,118
−HK$2,977/mo
Today · 4.125%
HK$100,095
baseline
▲ 0.50% · 4.625%
HK$106,185
+HK$6,090/mo
Deposit HK$13.77M · loan HK$20.65M · min. income ≈ HK$200,190/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,784
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,594
−HK$2,851/mo
Today · 4.125%
HK$110,445
baseline
▲ 0.50% · 4.625%
HK$116,266
+HK$5,821/mo
Deposit HK$13.77M · loan HK$20.65M · min. income ≈ HK$220,890/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,886
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$113,305
−HK$3,472/mo
Today · 4.125%
HK$116,777
baseline
▲ 0.50% · 4.625%
HK$123,883
+HK$7,106/mo
Deposit HK$10.33M · loan HK$24.10M · min. income ≈ HK$233,554/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,462,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,248
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$125,526
−HK$3,326/mo
Today · 4.125%
HK$128,852
baseline
▲ 0.50% · 4.625%
HK$135,644
+HK$6,792/mo
Deposit HK$10.33M · loan HK$24.10M · min. income ≈ HK$257,704/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,462,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,283
−HK$8,859/mo
▼ 0.25% · 3.875%
HK$145,677
−HK$4,465/mo
Today · 4.125%
HK$150,142
baseline
▲ 0.50% · 4.625%
HK$159,278
+HK$9,136/mo
Deposit HK$3.44M · loan HK$30.98M · min. income ≈ HK$300,284/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,462,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,175
−HK$8,492/mo
▼ 0.25% · 3.875%
HK$161,391
−HK$4,276/mo
Today · 4.125%
HK$165,667
baseline
▲ 0.50% · 4.625%
HK$174,400
+HK$8,733/mo
Deposit HK$3.44M · loan HK$30.98M · min. income ≈ HK$331,334/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,462,923 · Scale 2, in force from 26 Feb 2026)