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$78,562
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,006
−HK$2,483/mo
Today · 4.125%
HK$83,489
baseline
▲ 0.50% · 4.625%
HK$88,569
+HK$5,080/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$166,978/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,464,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,400
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,744
−HK$2,378/mo
Today · 4.125%
HK$92,122
baseline
▲ 0.50% · 4.625%
HK$96,978
+HK$4,856/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$184,244/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,464,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,275
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$97,207
−HK$2,980/mo
Today · 4.125%
HK$100,187
baseline
▲ 0.50% · 4.625%
HK$106,283
+HK$6,096/mo
Deposit HK$13.78M · loan HK$20.67M · min. income ≈ HK$200,374/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,880
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$107,692
−HK$2,854/mo
Today · 4.125%
HK$110,546
baseline
▲ 0.50% · 4.625%
HK$116,373
+HK$5,827/mo
Deposit HK$13.78M · loan HK$20.67M · min. income ≈ HK$221,092/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,987
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$113,408
−HK$3,476/mo
Today · 4.125%
HK$116,884
baseline
▲ 0.50% · 4.625%
HK$123,996
+HK$7,112/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$233,768/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,360
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,641
−HK$3,329/mo
Today · 4.125%
HK$128,970
baseline
▲ 0.50% · 4.625%
HK$135,769
+HK$6,799/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$257,940/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,412
−HK$8,868/mo
▼ 0.25% · 3.875%
HK$145,811
−HK$4,469/mo
Today · 4.125%
HK$150,280
baseline
▲ 0.50% · 4.625%
HK$159,424
+HK$9,144/mo
Deposit HK$3.45M · loan HK$31.01M · min. income ≈ HK$300,560/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,319
−HK$8,500/mo
▼ 0.25% · 3.875%
HK$161,539
−HK$4,280/mo
Today · 4.125%
HK$165,819
baseline
▲ 0.50% · 4.625%
HK$174,560
+HK$8,741/mo
Deposit HK$3.45M · loan HK$31.01M · min. income ≈ HK$331,638/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,264 · Scale 2, in force from 26 Feb 2026)