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$78,600
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,045
−HK$2,484/mo
Today · 4.125%
HK$83,529
baseline
▲ 0.50% · 4.625%
HK$88,612
+HK$5,083/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$167,058/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,464,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,442
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,787
−HK$2,379/mo
Today · 4.125%
HK$92,166
baseline
▲ 0.50% · 4.625%
HK$97,025
+HK$4,859/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$184,332/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,464,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,320
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,254
−HK$2,981/mo
Today · 4.125%
HK$100,235
baseline
▲ 0.50% · 4.625%
HK$106,334
+HK$6,099/mo
Deposit HK$13.79M · loan HK$20.68M · min. income ≈ HK$200,470/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,930
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$107,745
−HK$2,855/mo
Today · 4.125%
HK$110,600
baseline
▲ 0.50% · 4.625%
HK$116,429
+HK$5,829/mo
Deposit HK$13.79M · loan HK$20.68M · min. income ≈ HK$221,200/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,040
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$113,463
−HK$3,478/mo
Today · 4.125%
HK$116,941
baseline
▲ 0.50% · 4.625%
HK$124,057
+HK$7,116/mo
Deposit HK$10.34M · loan HK$24.13M · min. income ≈ HK$233,882/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,464,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,419
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,702
−HK$3,331/mo
Today · 4.125%
HK$129,033
baseline
▲ 0.50% · 4.625%
HK$135,834
+HK$6,801/mo
Deposit HK$10.34M · loan HK$24.13M · min. income ≈ HK$258,066/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,464,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,481
−HK$8,872/mo
▼ 0.25% · 3.875%
HK$145,881
−HK$4,472/mo
Today · 4.125%
HK$150,353
baseline
▲ 0.50% · 4.625%
HK$159,501
+HK$9,148/mo
Deposit HK$3.45M · loan HK$31.02M · min. income ≈ HK$300,706/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,396
−HK$8,503/mo
▼ 0.25% · 3.875%
HK$161,617
−HK$4,282/mo
Today · 4.125%
HK$165,899
baseline
▲ 0.50% · 4.625%
HK$174,644
+HK$8,745/mo
Deposit HK$3.45M · loan HK$31.02M · min. income ≈ HK$331,798/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,973 · Scale 2, in force from 26 Feb 2026)