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$78,760
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,210
−HK$2,489/mo
Today · 4.125%
HK$83,699
baseline
▲ 0.50% · 4.625%
HK$88,792
+HK$5,093/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$167,398/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,467,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,620
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,970
−HK$2,384/mo
Today · 4.125%
HK$92,354
baseline
▲ 0.50% · 4.625%
HK$97,222
+HK$4,868/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$184,708/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,467,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,513
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,452
−HK$2,987/mo
Today · 4.125%
HK$100,439
baseline
▲ 0.50% · 4.625%
HK$106,551
+HK$6,112/mo
Deposit HK$13.82M · loan HK$20.72M · min. income ≈ HK$200,878/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,144
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,964
−HK$2,861/mo
Today · 4.125%
HK$110,825
baseline
▲ 0.50% · 4.625%
HK$116,667
+HK$5,842/mo
Deposit HK$13.82M · loan HK$20.72M · min. income ≈ HK$221,650/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,265
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$113,695
−HK$3,484/mo
Today · 4.125%
HK$117,179
baseline
▲ 0.50% · 4.625%
HK$124,309
+HK$7,130/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$234,358/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,668
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$125,958
−HK$3,338/mo
Today · 4.125%
HK$129,296
baseline
▲ 0.50% · 4.625%
HK$136,111
+HK$6,815/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$258,592/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,769
−HK$8,890/mo
▼ 0.25% · 3.875%
HK$146,179
−HK$4,480/mo
Today · 4.125%
HK$150,659
baseline
▲ 0.50% · 4.625%
HK$159,826
+HK$9,167/mo
Deposit HK$3.45M · loan HK$31.09M · min. income ≈ HK$301,318/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,716
−HK$8,521/mo
▼ 0.25% · 3.875%
HK$161,946
−HK$4,291/mo
Today · 4.125%
HK$166,237
baseline
▲ 0.50% · 4.625%
HK$175,000
+HK$8,763/mo
Deposit HK$3.45M · loan HK$31.09M · min. income ≈ HK$332,474/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,958 · Scale 2, in force from 26 Feb 2026)