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$78,699
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,147
−HK$2,487/mo
Today · 4.125%
HK$83,634
baseline
▲ 0.50% · 4.625%
HK$88,723
+HK$5,089/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$167,268/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,552
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,900
−HK$2,382/mo
Today · 4.125%
HK$92,282
baseline
▲ 0.50% · 4.625%
HK$97,146
+HK$4,864/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$184,564/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,439
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,376
−HK$2,985/mo
Today · 4.125%
HK$100,361
baseline
▲ 0.50% · 4.625%
HK$106,467
+HK$6,106/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$200,722/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,062
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,880
−HK$2,858/mo
Today · 4.125%
HK$110,738
baseline
▲ 0.50% · 4.625%
HK$116,575
+HK$5,837/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$221,476/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,178
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$113,606
−HK$3,481/mo
Today · 4.125%
HK$117,087
baseline
▲ 0.50% · 4.625%
HK$124,212
+HK$7,125/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$234,174/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,572
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$125,860
−HK$3,334/mo
Today · 4.125%
HK$129,194
baseline
▲ 0.50% · 4.625%
HK$136,005
+HK$6,811/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$258,388/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,658
−HK$8,883/mo
▼ 0.25% · 3.875%
HK$146,064
−HK$4,477/mo
Today · 4.125%
HK$150,541
baseline
▲ 0.50% · 4.625%
HK$159,701
+HK$9,160/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$301,082/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,593
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$161,820
−HK$4,287/mo
Today · 4.125%
HK$166,107
baseline
▲ 0.50% · 4.625%
HK$174,863
+HK$8,756/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$332,214/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,809 · Scale 2, in force from 26 Feb 2026)