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$78,831
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,283
−HK$2,492/mo
Today · 4.125%
HK$83,775
baseline
▲ 0.50% · 4.625%
HK$88,872
+HK$5,097/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$167,550/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,469,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,699
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,051
−HK$2,386/mo
Today · 4.125%
HK$92,437
baseline
▲ 0.50% · 4.625%
HK$97,310
+HK$4,873/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$184,874/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,469,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,598
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,540
−HK$2,990/mo
Today · 4.125%
HK$100,530
baseline
▲ 0.50% · 4.625%
HK$106,647
+HK$6,117/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$201,060/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,239
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,061
−HK$2,864/mo
Today · 4.125%
HK$110,925
baseline
▲ 0.50% · 4.625%
HK$116,772
+HK$5,847/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$221,850/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,364
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$113,797
−HK$3,488/mo
Today · 4.125%
HK$117,285
baseline
▲ 0.50% · 4.625%
HK$124,421
+HK$7,136/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$234,570/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,779
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,072
−HK$3,340/mo
Today · 4.125%
HK$129,412
baseline
▲ 0.50% · 4.625%
HK$136,234
+HK$6,822/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$258,824/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,896
−HK$8,899/mo
▼ 0.25% · 3.875%
HK$146,310
−HK$4,485/mo
Today · 4.125%
HK$150,795
baseline
▲ 0.50% · 4.625%
HK$159,970
+HK$9,175/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$301,590/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,858
−HK$8,529/mo
▼ 0.25% · 3.875%
HK$162,092
−HK$4,295/mo
Today · 4.125%
HK$166,387
baseline
▲ 0.50% · 4.625%
HK$175,157
+HK$8,770/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$332,774/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,279 · Scale 2, in force from 26 Feb 2026)