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$78,755
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,205
−HK$2,489/mo
Today · 4.125%
HK$83,694
baseline
▲ 0.50% · 4.625%
HK$88,787
+HK$5,093/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$167,388/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,467,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,614
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,964
−HK$2,384/mo
Today · 4.125%
HK$92,348
baseline
▲ 0.50% · 4.625%
HK$97,216
+HK$4,868/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$184,696/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,467,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,506
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$97,446
−HK$2,987/mo
Today · 4.125%
HK$100,433
baseline
▲ 0.50% · 4.625%
HK$106,544
+HK$6,111/mo
Deposit HK$13.82M · loan HK$20.72M · min. income ≈ HK$200,866/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,137
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,957
−HK$2,861/mo
Today · 4.125%
HK$110,818
baseline
▲ 0.50% · 4.625%
HK$116,659
+HK$5,841/mo
Deposit HK$13.82M · loan HK$20.72M · min. income ≈ HK$221,636/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,257
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$113,687
−HK$3,485/mo
Today · 4.125%
HK$117,172
baseline
▲ 0.50% · 4.625%
HK$124,301
+HK$7,129/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$234,344/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,660
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$125,950
−HK$3,337/mo
Today · 4.125%
HK$129,287
baseline
▲ 0.50% · 4.625%
HK$136,102
+HK$6,815/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$258,574/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,760
−HK$8,889/mo
▼ 0.25% · 3.875%
HK$146,169
−HK$4,480/mo
Today · 4.125%
HK$150,649
baseline
▲ 0.50% · 4.625%
HK$159,816
+HK$9,167/mo
Deposit HK$3.45M · loan HK$31.08M · min. income ≈ HK$301,298/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,706
−HK$8,520/mo
▼ 0.25% · 3.875%
HK$161,936
−HK$4,290/mo
Today · 4.125%
HK$166,226
baseline
▲ 0.50% · 4.625%
HK$174,988
+HK$8,762/mo
Deposit HK$3.45M · loan HK$31.08M · min. income ≈ HK$332,452/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,862 · Scale 2, in force from 26 Feb 2026)