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$79,018
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,476
−HK$2,498/mo
Today · 4.125%
HK$83,974
baseline
▲ 0.50% · 4.625%
HK$89,083
+HK$5,109/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$167,948/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,907
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,265
−HK$2,392/mo
Today · 4.125%
HK$92,657
baseline
▲ 0.50% · 4.625%
HK$97,541
+HK$4,884/mo
Deposit HK$17.33M · loan HK$17.33M · min. income ≈ HK$185,314/mo (50% DSR)
Upfront cash ≈ HK$18.80M (deposit + AVD stamp duty HK$1,472,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,822
−HK$5,946/mo
▼ 0.25% · 3.875%
HK$97,772
−HK$2,996/mo
Today · 4.125%
HK$100,768
baseline
▲ 0.50% · 4.625%
HK$106,900
+HK$6,132/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$201,536/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,489
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$108,318
−HK$2,870/mo
Today · 4.125%
HK$111,188
baseline
▲ 0.50% · 4.625%
HK$117,049
+HK$5,861/mo
Deposit HK$13.86M · loan HK$20.79M · min. income ≈ HK$222,376/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,472,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,626
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$114,067
−HK$3,496/mo
Today · 4.125%
HK$117,563
baseline
▲ 0.50% · 4.625%
HK$124,716
+HK$7,153/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$235,126/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,070
−HK$6,649/mo
▼ 0.25% · 3.875%
HK$126,371
−HK$3,348/mo
Today · 4.125%
HK$129,719
baseline
▲ 0.50% · 4.625%
HK$136,557
+HK$6,838/mo
Deposit HK$10.40M · loan HK$24.26M · min. income ≈ HK$259,438/mo (50% DSR)
Upfront cash ≈ HK$11.87M (deposit + AVD stamp duty HK$1,472,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,233
−HK$8,919/mo
▼ 0.25% · 3.875%
HK$146,657
−HK$4,495/mo
Today · 4.125%
HK$151,152
baseline
▲ 0.50% · 4.625%
HK$160,350
+HK$9,198/mo
Deposit HK$3.47M · loan HK$31.19M · min. income ≈ HK$302,304/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,233
−HK$8,549/mo
▼ 0.25% · 3.875%
HK$162,477
−HK$4,305/mo
Today · 4.125%
HK$166,782
baseline
▲ 0.50% · 4.625%
HK$175,573
+HK$8,791/mo
Deposit HK$3.47M · loan HK$31.19M · min. income ≈ HK$333,564/mo (50% DSR)
Upfront cash ≈ HK$4.94M (deposit + AVD stamp duty HK$1,472,766 · Scale 2, in force from 26 Feb 2026)