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$78,730
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,179
−HK$2,488/mo
Today · 4.125%
HK$83,667
baseline
▲ 0.50% · 4.625%
HK$88,758
+HK$5,091/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$167,334/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,586
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,935
−HK$2,383/mo
Today · 4.125%
HK$92,318
baseline
▲ 0.50% · 4.625%
HK$97,184
+HK$4,866/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$184,636/mo (50% DSR)
Upfront cash ≈ HK$18.73M (deposit + AVD stamp duty HK$1,467,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,476
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,414
−HK$2,986/mo
Today · 4.125%
HK$100,400
baseline
▲ 0.50% · 4.625%
HK$106,509
+HK$6,109/mo
Deposit HK$13.81M · loan HK$20.72M · min. income ≈ HK$200,800/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,103
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,922
−HK$2,860/mo
Today · 4.125%
HK$110,782
baseline
▲ 0.50% · 4.625%
HK$116,621
+HK$5,839/mo
Deposit HK$13.81M · loan HK$20.72M · min. income ≈ HK$221,564/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,222
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$113,650
−HK$3,484/mo
Today · 4.125%
HK$117,134
baseline
▲ 0.50% · 4.625%
HK$124,261
+HK$7,127/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$234,268/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,620
−HK$6,625/mo
▼ 0.25% · 3.875%
HK$125,909
−HK$3,336/mo
Today · 4.125%
HK$129,245
baseline
▲ 0.50% · 4.625%
HK$136,058
+HK$6,813/mo
Deposit HK$10.36M · loan HK$24.17M · min. income ≈ HK$258,490/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,714
−HK$8,886/mo
▼ 0.25% · 3.875%
HK$146,122
−HK$4,478/mo
Today · 4.125%
HK$150,600
baseline
▲ 0.50% · 4.625%
HK$159,764
+HK$9,164/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$301,200/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,655
−HK$8,517/mo
▼ 0.25% · 3.875%
HK$161,883
−HK$4,289/mo
Today · 4.125%
HK$166,172
baseline
▲ 0.50% · 4.625%
HK$174,932
+HK$8,760/mo
Deposit HK$3.45M · loan HK$31.07M · min. income ≈ HK$332,344/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,385 · Scale 2, in force from 26 Feb 2026)