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$78,600
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,045
−HK$2,484/mo
Today · 4.125%
HK$83,529
baseline
▲ 0.50% · 4.625%
HK$88,611
+HK$5,082/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$167,058/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,464,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,442
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,787
−HK$2,379/mo
Today · 4.125%
HK$92,166
baseline
▲ 0.50% · 4.625%
HK$97,024
+HK$4,858/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$184,332/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,464,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,320
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,254
−HK$2,981/mo
Today · 4.125%
HK$100,235
baseline
▲ 0.50% · 4.625%
HK$106,334
+HK$6,099/mo
Deposit HK$13.79M · loan HK$20.68M · min. income ≈ HK$200,470/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,930
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,744
−HK$2,855/mo
Today · 4.125%
HK$110,599
baseline
▲ 0.50% · 4.625%
HK$116,429
+HK$5,830/mo
Deposit HK$13.79M · loan HK$20.68M · min. income ≈ HK$221,198/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,464,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,040
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$113,463
−HK$3,477/mo
Today · 4.125%
HK$116,940
baseline
▲ 0.50% · 4.625%
HK$124,056
+HK$7,116/mo
Deposit HK$10.34M · loan HK$24.13M · min. income ≈ HK$233,880/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,464,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,418
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,702
−HK$3,330/mo
Today · 4.125%
HK$129,032
baseline
▲ 0.50% · 4.625%
HK$135,834
+HK$6,802/mo
Deposit HK$10.34M · loan HK$24.13M · min. income ≈ HK$258,064/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,464,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,480
−HK$8,872/mo
▼ 0.25% · 3.875%
HK$145,881
−HK$4,471/mo
Today · 4.125%
HK$150,352
baseline
▲ 0.50% · 4.625%
HK$159,501
+HK$9,149/mo
Deposit HK$3.45M · loan HK$31.02M · min. income ≈ HK$300,704/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,395
−HK$8,504/mo
▼ 0.25% · 3.875%
HK$161,616
−HK$4,283/mo
Today · 4.125%
HK$165,899
baseline
▲ 0.50% · 4.625%
HK$174,643
+HK$8,744/mo
Deposit HK$3.45M · loan HK$31.02M · min. income ≈ HK$331,798/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,967 · Scale 2, in force from 26 Feb 2026)