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$78,810
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$81,261
−HK$2,491/mo
Today · 4.125%
HK$83,752
baseline
▲ 0.50% · 4.625%
HK$88,848
+HK$5,096/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$167,504/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,468,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,675
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,027
−HK$2,385/mo
Today · 4.125%
HK$92,412
baseline
▲ 0.50% · 4.625%
HK$97,283
+HK$4,871/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$184,824/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,468,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,572
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,514
−HK$2,988/mo
Today · 4.125%
HK$100,502
baseline
▲ 0.50% · 4.625%
HK$106,618
+HK$6,116/mo
Deposit HK$13.82M · loan HK$20.74M · min. income ≈ HK$201,004/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,210
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$108,032
−HK$2,862/mo
Today · 4.125%
HK$110,894
baseline
▲ 0.50% · 4.625%
HK$116,740
+HK$5,846/mo
Deposit HK$13.82M · loan HK$20.74M · min. income ≈ HK$221,788/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,334
−HK$6,919/mo
▼ 0.25% · 3.875%
HK$113,766
−HK$3,487/mo
Today · 4.125%
HK$117,253
baseline
▲ 0.50% · 4.625%
HK$124,387
+HK$7,134/mo
Deposit HK$10.37M · loan HK$24.19M · min. income ≈ HK$234,506/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,468,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,745
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,037
−HK$3,340/mo
Today · 4.125%
HK$129,377
baseline
▲ 0.50% · 4.625%
HK$136,197
+HK$6,820/mo
Deposit HK$10.37M · loan HK$24.19M · min. income ≈ HK$258,754/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,468,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,858
−HK$8,896/mo
▼ 0.25% · 3.875%
HK$146,270
−HK$4,484/mo
Today · 4.125%
HK$150,754
baseline
▲ 0.50% · 4.625%
HK$159,927
+HK$9,173/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$301,508/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,468,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,815
−HK$8,527/mo
▼ 0.25% · 3.875%
HK$162,048
−HK$4,294/mo
Today · 4.125%
HK$166,342
baseline
▲ 0.50% · 4.625%
HK$175,110
+HK$8,768/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$332,684/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,468,880 · Scale 2, in force from 26 Feb 2026)