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$78,773
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,223
−HK$2,490/mo
Today · 4.125%
HK$83,713
baseline
▲ 0.50% · 4.625%
HK$88,806
+HK$5,093/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$167,426/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,468,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,634
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,984
−HK$2,385/mo
Today · 4.125%
HK$92,369
baseline
▲ 0.50% · 4.625%
HK$97,238
+HK$4,869/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$184,738/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,468,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,527
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,468
−HK$2,987/mo
Today · 4.125%
HK$100,455
baseline
▲ 0.50% · 4.625%
HK$106,568
+HK$6,113/mo
Deposit HK$13.82M · loan HK$20.73M · min. income ≈ HK$200,910/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,161
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$107,981
−HK$2,861/mo
Today · 4.125%
HK$110,842
baseline
▲ 0.50% · 4.625%
HK$116,685
+HK$5,843/mo
Deposit HK$13.82M · loan HK$20.73M · min. income ≈ HK$221,684/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,282
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$113,712
−HK$3,486/mo
Today · 4.125%
HK$117,198
baseline
▲ 0.50% · 4.625%
HK$124,329
+HK$7,131/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$234,396/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,468,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,688
−HK$6,628/mo
▼ 0.25% · 3.875%
HK$125,978
−HK$3,338/mo
Today · 4.125%
HK$129,316
baseline
▲ 0.50% · 4.625%
HK$136,133
+HK$6,817/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$258,632/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,468,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,791
−HK$8,892/mo
▼ 0.25% · 3.875%
HK$146,202
−HK$4,481/mo
Today · 4.125%
HK$150,683
baseline
▲ 0.50% · 4.625%
HK$159,851
+HK$9,168/mo
Deposit HK$3.45M · loan HK$31.09M · min. income ≈ HK$301,366/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,468,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,741
−HK$8,523/mo
▼ 0.25% · 3.875%
HK$161,972
−HK$4,292/mo
Today · 4.125%
HK$166,264
baseline
▲ 0.50% · 4.625%
HK$175,028
+HK$8,764/mo
Deposit HK$3.45M · loan HK$31.09M · min. income ≈ HK$332,528/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,468,189 · Scale 2, in force from 26 Feb 2026)