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$78,821
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,273
−HK$2,491/mo
Today · 4.125%
HK$83,764
baseline
▲ 0.50% · 4.625%
HK$88,861
+HK$5,097/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$167,528/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,469,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,688
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,040
−HK$2,386/mo
Today · 4.125%
HK$92,426
baseline
▲ 0.50% · 4.625%
HK$97,297
+HK$4,871/mo
Deposit HK$17.28M · loan HK$17.28M · min. income ≈ HK$184,852/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,469,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,586
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$97,528
−HK$2,989/mo
Today · 4.125%
HK$100,517
baseline
▲ 0.50% · 4.625%
HK$106,633
+HK$6,116/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$201,034/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,226
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,048
−HK$2,863/mo
Today · 4.125%
HK$110,911
baseline
▲ 0.50% · 4.625%
HK$116,757
+HK$5,846/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$221,822/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,350
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$113,783
−HK$3,487/mo
Today · 4.125%
HK$117,270
baseline
▲ 0.50% · 4.625%
HK$124,406
+HK$7,136/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$234,540/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,763
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,056
−HK$3,340/mo
Today · 4.125%
HK$129,396
baseline
▲ 0.50% · 4.625%
HK$136,216
+HK$6,820/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$258,792/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,879
−HK$8,897/mo
▼ 0.25% · 3.875%
HK$146,292
−HK$4,484/mo
Today · 4.125%
HK$150,776
baseline
▲ 0.50% · 4.625%
HK$159,950
+HK$9,174/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$301,552/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,838
−HK$8,528/mo
▼ 0.25% · 3.875%
HK$162,072
−HK$4,294/mo
Today · 4.125%
HK$166,366
baseline
▲ 0.50% · 4.625%
HK$175,135
+HK$8,769/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$332,732/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,094 · Scale 2, in force from 26 Feb 2026)