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$78,606
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,051
−HK$2,484/mo
Today · 4.125%
HK$83,535
baseline
▲ 0.50% · 4.625%
HK$88,618
+HK$5,083/mo
Deposit HK$17.24M · loan HK$17.24M · min. income ≈ HK$167,070/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,465,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,448
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,794
−HK$2,379/mo
Today · 4.125%
HK$92,173
baseline
▲ 0.50% · 4.625%
HK$97,031
+HK$4,858/mo
Deposit HK$17.24M · loan HK$17.24M · min. income ≈ HK$184,346/mo (50% DSR)
Upfront cash ≈ HK$18.70M (deposit + AVD stamp duty HK$1,465,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,327
−HK$5,915/mo
▼ 0.25% · 3.875%
HK$97,261
−HK$2,981/mo
Today · 4.125%
HK$100,242
baseline
▲ 0.50% · 4.625%
HK$106,342
+HK$6,100/mo
Deposit HK$13.79M · loan HK$20.68M · min. income ≈ HK$200,484/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,465,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,938
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$107,752
−HK$2,855/mo
Today · 4.125%
HK$110,607
baseline
▲ 0.50% · 4.625%
HK$116,438
+HK$5,831/mo
Deposit HK$13.79M · loan HK$20.68M · min. income ≈ HK$221,214/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,465,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,048
−HK$6,901/mo
▼ 0.25% · 3.875%
HK$113,471
−HK$3,478/mo
Today · 4.125%
HK$116,949
baseline
▲ 0.50% · 4.625%
HK$124,065
+HK$7,116/mo
Deposit HK$10.34M · loan HK$24.13M · min. income ≈ HK$233,898/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,465,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,428
−HK$6,614/mo
▼ 0.25% · 3.875%
HK$125,711
−HK$3,331/mo
Today · 4.125%
HK$129,042
baseline
▲ 0.50% · 4.625%
HK$135,844
+HK$6,802/mo
Deposit HK$10.34M · loan HK$24.13M · min. income ≈ HK$258,084/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,465,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,491
−HK$8,872/mo
▼ 0.25% · 3.875%
HK$145,892
−HK$4,471/mo
Today · 4.125%
HK$150,363
baseline
▲ 0.50% · 4.625%
HK$159,513
+HK$9,150/mo
Deposit HK$3.45M · loan HK$31.03M · min. income ≈ HK$300,726/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,465,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,407
−HK$8,504/mo
▼ 0.25% · 3.875%
HK$161,629
−HK$4,282/mo
Today · 4.125%
HK$165,911
baseline
▲ 0.50% · 4.625%
HK$174,657
+HK$8,746/mo
Deposit HK$3.45M · loan HK$31.03M · min. income ≈ HK$331,822/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,465,078 · Scale 2, in force from 26 Feb 2026)