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$78,583
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,028
−HK$2,483/mo
Today · 4.125%
HK$83,511
baseline
▲ 0.50% · 4.625%
HK$88,593
+HK$5,082/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$167,022/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,464,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,423
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,768
−HK$2,379/mo
Today · 4.125%
HK$92,147
baseline
▲ 0.50% · 4.625%
HK$97,004
+HK$4,857/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$184,294/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,464,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,300
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$97,233
−HK$2,981/mo
Today · 4.125%
HK$100,214
baseline
▲ 0.50% · 4.625%
HK$106,311
+HK$6,097/mo
Deposit HK$13.79M · loan HK$20.68M · min. income ≈ HK$200,428/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,908
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$107,722
−HK$2,854/mo
Today · 4.125%
HK$110,576
baseline
▲ 0.50% · 4.625%
HK$116,404
+HK$5,828/mo
Deposit HK$13.79M · loan HK$20.68M · min. income ≈ HK$221,152/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,017
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$113,439
−HK$3,477/mo
Today · 4.125%
HK$116,916
baseline
▲ 0.50% · 4.625%
HK$124,030
+HK$7,114/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$233,832/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,393
−HK$6,612/mo
▼ 0.25% · 3.875%
HK$125,675
−HK$3,330/mo
Today · 4.125%
HK$129,005
baseline
▲ 0.50% · 4.625%
HK$135,805
+HK$6,800/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$258,010/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,450
−HK$8,870/mo
▼ 0.25% · 3.875%
HK$145,850
−HK$4,470/mo
Today · 4.125%
HK$150,320
baseline
▲ 0.50% · 4.625%
HK$159,467
+HK$9,147/mo
Deposit HK$3.45M · loan HK$31.02M · min. income ≈ HK$300,640/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,362
−HK$8,502/mo
▼ 0.25% · 3.875%
HK$161,582
−HK$4,282/mo
Today · 4.125%
HK$165,864
baseline
▲ 0.50% · 4.625%
HK$174,607
+HK$8,743/mo
Deposit HK$3.45M · loan HK$31.02M · min. income ≈ HK$331,728/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,659 · Scale 2, in force from 26 Feb 2026)