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$78,695
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,143
−HK$2,487/mo
Today · 4.125%
HK$83,630
baseline
▲ 0.50% · 4.625%
HK$88,719
+HK$5,089/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$167,260/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,547
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,895
−HK$2,382/mo
Today · 4.125%
HK$92,277
baseline
▲ 0.50% · 4.625%
HK$97,141
+HK$4,864/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$184,554/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,434
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,371
−HK$2,985/mo
Today · 4.125%
HK$100,356
baseline
▲ 0.50% · 4.625%
HK$106,462
+HK$6,106/mo
Deposit HK$13.80M · loan HK$20.71M · min. income ≈ HK$200,712/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,057
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,874
−HK$2,859/mo
Today · 4.125%
HK$110,733
baseline
▲ 0.50% · 4.625%
HK$116,570
+HK$5,837/mo
Deposit HK$13.80M · loan HK$20.71M · min. income ≈ HK$221,466/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,173
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$113,600
−HK$3,482/mo
Today · 4.125%
HK$117,082
baseline
▲ 0.50% · 4.625%
HK$124,206
+HK$7,124/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$234,164/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,566
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$125,853
−HK$3,335/mo
Today · 4.125%
HK$129,188
baseline
▲ 0.50% · 4.625%
HK$135,998
+HK$6,810/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$258,376/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,651
−HK$8,883/mo
▼ 0.25% · 3.875%
HK$146,057
−HK$4,477/mo
Today · 4.125%
HK$150,534
baseline
▲ 0.50% · 4.625%
HK$159,693
+HK$9,159/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$301,068/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,585
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$161,812
−HK$4,287/mo
Today · 4.125%
HK$166,099
baseline
▲ 0.50% · 4.625%
HK$174,854
+HK$8,755/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$332,198/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,737 · Scale 2, in force from 26 Feb 2026)