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$78,721
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,170
−HK$2,488/mo
Today · 4.125%
HK$83,658
baseline
▲ 0.50% · 4.625%
HK$88,748
+HK$5,090/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$167,316/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,577
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,925
−HK$2,383/mo
Today · 4.125%
HK$92,308
baseline
▲ 0.50% · 4.625%
HK$97,174
+HK$4,866/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$184,616/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,466
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$97,404
−HK$2,985/mo
Today · 4.125%
HK$100,389
baseline
▲ 0.50% · 4.625%
HK$106,498
+HK$6,109/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$200,778/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,092
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$107,911
−HK$2,859/mo
Today · 4.125%
HK$110,770
baseline
▲ 0.50% · 4.625%
HK$116,609
+HK$5,839/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$221,540/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,210
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$113,638
−HK$3,483/mo
Today · 4.125%
HK$117,121
baseline
▲ 0.50% · 4.625%
HK$124,248
+HK$7,127/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$234,242/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,467,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,607
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$125,896
−HK$3,336/mo
Today · 4.125%
HK$129,232
baseline
▲ 0.50% · 4.625%
HK$136,043
+HK$6,811/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$258,464/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,467,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,698
−HK$8,886/mo
▼ 0.25% · 3.875%
HK$146,106
−HK$4,478/mo
Today · 4.125%
HK$150,584
baseline
▲ 0.50% · 4.625%
HK$159,747
+HK$9,163/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$301,168/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,638
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$161,866
−HK$4,289/mo
Today · 4.125%
HK$166,155
baseline
▲ 0.50% · 4.625%
HK$174,913
+HK$8,758/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$332,310/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,229 · Scale 2, in force from 26 Feb 2026)