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$78,720
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,169
−HK$2,488/mo
Today · 4.125%
HK$83,657
baseline
▲ 0.50% · 4.625%
HK$88,747
+HK$5,090/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$167,314/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,575
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,924
−HK$2,383/mo
Today · 4.125%
HK$92,307
baseline
▲ 0.50% · 4.625%
HK$97,173
+HK$4,866/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$184,614/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,464
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,403
−HK$2,985/mo
Today · 4.125%
HK$100,388
baseline
▲ 0.50% · 4.625%
HK$106,496
+HK$6,108/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$200,776/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,091
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$107,909
−HK$2,859/mo
Today · 4.125%
HK$110,768
baseline
▲ 0.50% · 4.625%
HK$116,607
+HK$5,839/mo
Deposit HK$13.81M · loan HK$20.71M · min. income ≈ HK$221,536/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,208
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$113,636
−HK$3,483/mo
Today · 4.125%
HK$117,119
baseline
▲ 0.50% · 4.625%
HK$124,246
+HK$7,127/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$234,238/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,467,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,606
−HK$6,624/mo
▼ 0.25% · 3.875%
HK$125,894
−HK$3,336/mo
Today · 4.125%
HK$129,230
baseline
▲ 0.50% · 4.625%
HK$136,042
+HK$6,812/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$258,460/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,467,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,696
−HK$8,886/mo
▼ 0.25% · 3.875%
HK$146,104
−HK$4,478/mo
Today · 4.125%
HK$150,582
baseline
▲ 0.50% · 4.625%
HK$159,745
+HK$9,163/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$301,164/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,636
−HK$8,516/mo
▼ 0.25% · 3.875%
HK$161,864
−HK$4,288/mo
Today · 4.125%
HK$166,152
baseline
▲ 0.50% · 4.625%
HK$174,911
+HK$8,759/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$332,304/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,208 · Scale 2, in force from 26 Feb 2026)