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$78,829
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,281
−HK$2,491/mo
Today · 4.125%
HK$83,772
baseline
▲ 0.50% · 4.625%
HK$88,869
+HK$5,097/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$167,544/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,469,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,696
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,048
−HK$2,386/mo
Today · 4.125%
HK$92,434
baseline
▲ 0.50% · 4.625%
HK$97,307
+HK$4,873/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$184,868/mo (50% DSR)
Upfront cash ≈ HK$18.75M (deposit + AVD stamp duty HK$1,469,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,595
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$97,537
−HK$2,990/mo
Today · 4.125%
HK$100,527
baseline
▲ 0.50% · 4.625%
HK$106,643
+HK$6,116/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$201,054/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,236
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,058
−HK$2,863/mo
Today · 4.125%
HK$110,921
baseline
▲ 0.50% · 4.625%
HK$116,768
+HK$5,847/mo
Deposit HK$13.83M · loan HK$20.74M · min. income ≈ HK$221,842/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,360
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$113,793
−HK$3,488/mo
Today · 4.125%
HK$117,281
baseline
▲ 0.50% · 4.625%
HK$124,417
+HK$7,136/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$234,562/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,775
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,068
−HK$3,340/mo
Today · 4.125%
HK$129,408
baseline
▲ 0.50% · 4.625%
HK$136,229
+HK$6,821/mo
Deposit HK$10.37M · loan HK$24.20M · min. income ≈ HK$258,816/mo (50% DSR)
Upfront cash ≈ HK$11.84M (deposit + AVD stamp duty HK$1,469,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,892
−HK$8,898/mo
▼ 0.25% · 3.875%
HK$146,306
−HK$4,484/mo
Today · 4.125%
HK$150,790
baseline
▲ 0.50% · 4.625%
HK$159,965
+HK$9,175/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$301,580/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,853
−HK$8,529/mo
▼ 0.25% · 3.875%
HK$162,087
−HK$4,295/mo
Today · 4.125%
HK$166,382
baseline
▲ 0.50% · 4.625%
HK$175,152
+HK$8,770/mo
Deposit HK$3.46M · loan HK$31.11M · min. income ≈ HK$332,764/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,233 · Scale 2, in force from 26 Feb 2026)