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$78,789
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,239
−HK$2,490/mo
Today · 4.125%
HK$83,729
baseline
▲ 0.50% · 4.625%
HK$88,824
+HK$5,095/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$167,458/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,468,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,652
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$90,002
−HK$2,385/mo
Today · 4.125%
HK$92,387
baseline
▲ 0.50% · 4.625%
HK$97,257
+HK$4,870/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$184,774/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,468,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,546
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,487
−HK$2,988/mo
Today · 4.125%
HK$100,475
baseline
▲ 0.50% · 4.625%
HK$106,589
+HK$6,114/mo
Deposit HK$13.82M · loan HK$20.73M · min. income ≈ HK$200,950/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,182
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,003
−HK$2,862/mo
Today · 4.125%
HK$110,865
baseline
▲ 0.50% · 4.625%
HK$116,708
+HK$5,843/mo
Deposit HK$13.82M · loan HK$20.73M · min. income ≈ HK$221,730/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,304
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$113,735
−HK$3,486/mo
Today · 4.125%
HK$117,221
baseline
▲ 0.50% · 4.625%
HK$124,354
+HK$7,133/mo
Deposit HK$10.37M · loan HK$24.19M · min. income ≈ HK$234,442/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,468,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,712
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$126,003
−HK$3,339/mo
Today · 4.125%
HK$129,342
baseline
▲ 0.50% · 4.625%
HK$136,160
+HK$6,818/mo
Deposit HK$10.37M · loan HK$24.19M · min. income ≈ HK$258,684/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,468,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,820
−HK$8,893/mo
▼ 0.25% · 3.875%
HK$146,231
−HK$4,482/mo
Today · 4.125%
HK$150,713
baseline
▲ 0.50% · 4.625%
HK$159,884
+HK$9,171/mo
Deposit HK$3.46M · loan HK$31.10M · min. income ≈ HK$301,426/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,468,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,773
−HK$8,524/mo
▼ 0.25% · 3.875%
HK$162,004
−HK$4,293/mo
Today · 4.125%
HK$166,297
baseline
▲ 0.50% · 4.625%
HK$175,063
+HK$8,766/mo
Deposit HK$3.46M · loan HK$31.10M · min. income ≈ HK$332,594/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,468,484 · Scale 2, in force from 26 Feb 2026)