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$78,624
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,070
−HK$2,485/mo
Today · 4.125%
HK$83,555
baseline
▲ 0.50% · 4.625%
HK$88,639
+HK$5,084/mo
Deposit HK$17.24M · loan HK$17.24M · min. income ≈ HK$167,110/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,465,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,469
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$89,815
−HK$2,380/mo
Today · 4.125%
HK$92,195
baseline
▲ 0.50% · 4.625%
HK$97,054
+HK$4,859/mo
Deposit HK$17.24M · loan HK$17.24M · min. income ≈ HK$184,390/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,465,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,349
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$97,284
−HK$2,982/mo
Today · 4.125%
HK$100,266
baseline
▲ 0.50% · 4.625%
HK$106,367
+HK$6,101/mo
Deposit HK$13.79M · loan HK$20.69M · min. income ≈ HK$200,532/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,465,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,963
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$107,778
−HK$2,855/mo
Today · 4.125%
HK$110,633
baseline
▲ 0.50% · 4.625%
HK$116,465
+HK$5,832/mo
Deposit HK$13.79M · loan HK$20.69M · min. income ≈ HK$221,266/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,465,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,074
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$113,498
−HK$3,479/mo
Today · 4.125%
HK$116,977
baseline
▲ 0.50% · 4.625%
HK$124,095
+HK$7,118/mo
Deposit HK$10.34M · loan HK$24.14M · min. income ≈ HK$233,954/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,465,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,456
−HK$6,616/mo
▼ 0.25% · 3.875%
HK$125,741
−HK$3,331/mo
Today · 4.125%
HK$129,072
baseline
▲ 0.50% · 4.625%
HK$135,876
+HK$6,804/mo
Deposit HK$10.34M · loan HK$24.14M · min. income ≈ HK$258,144/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,465,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,524
−HK$8,875/mo
▼ 0.25% · 3.875%
HK$145,926
−HK$4,473/mo
Today · 4.125%
HK$150,399
baseline
▲ 0.50% · 4.625%
HK$159,550
+HK$9,151/mo
Deposit HK$3.45M · loan HK$31.03M · min. income ≈ HK$300,798/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,465,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,444
−HK$8,506/mo
▼ 0.25% · 3.875%
HK$161,667
−HK$4,283/mo
Today · 4.125%
HK$165,950
baseline
▲ 0.50% · 4.625%
HK$174,698
+HK$8,748/mo
Deposit HK$3.45M · loan HK$31.03M · min. income ≈ HK$331,900/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,465,423 · Scale 2, in force from 26 Feb 2026)