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$78,776
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,227
−HK$2,489/mo
Today · 4.125%
HK$83,716
baseline
▲ 0.50% · 4.625%
HK$88,810
+HK$5,094/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$167,432/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,468,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,638
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,988
−HK$2,385/mo
Today · 4.125%
HK$92,373
baseline
▲ 0.50% · 4.625%
HK$97,242
+HK$4,869/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$184,746/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,468,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,531
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,472
−HK$2,987/mo
Today · 4.125%
HK$100,459
baseline
▲ 0.50% · 4.625%
HK$106,572
+HK$6,113/mo
Deposit HK$13.82M · loan HK$20.73M · min. income ≈ HK$200,918/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,165
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$107,986
−HK$2,861/mo
Today · 4.125%
HK$110,847
baseline
▲ 0.50% · 4.625%
HK$116,690
+HK$5,843/mo
Deposit HK$13.82M · loan HK$20.73M · min. income ≈ HK$221,694/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,468,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,287
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$113,717
−HK$3,486/mo
Today · 4.125%
HK$117,203
baseline
▲ 0.50% · 4.625%
HK$124,334
+HK$7,131/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$234,406/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,468,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,693
−HK$6,629/mo
▼ 0.25% · 3.875%
HK$125,983
−HK$3,339/mo
Today · 4.125%
HK$129,322
baseline
▲ 0.50% · 4.625%
HK$136,138
+HK$6,816/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$258,644/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,468,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,797
−HK$8,892/mo
▼ 0.25% · 3.875%
HK$146,208
−HK$4,481/mo
Today · 4.125%
HK$150,689
baseline
▲ 0.50% · 4.625%
HK$159,858
+HK$9,169/mo
Deposit HK$3.45M · loan HK$31.09M · min. income ≈ HK$301,378/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,468,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,748
−HK$8,523/mo
▼ 0.25% · 3.875%
HK$161,979
−HK$4,292/mo
Today · 4.125%
HK$166,271
baseline
▲ 0.50% · 4.625%
HK$175,035
+HK$8,764/mo
Deposit HK$3.45M · loan HK$31.09M · min. income ≈ HK$332,542/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,468,252 · Scale 2, in force from 26 Feb 2026)