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$78,533
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,976
−HK$2,482/mo
Today · 4.125%
HK$83,458
baseline
▲ 0.50% · 4.625%
HK$88,536
+HK$5,078/mo
Deposit HK$17.22M · loan HK$17.22M · min. income ≈ HK$166,916/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,368
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,711
−HK$2,377/mo
Today · 4.125%
HK$92,088
baseline
▲ 0.50% · 4.625%
HK$96,942
+HK$4,854/mo
Deposit HK$17.22M · loan HK$17.22M · min. income ≈ HK$184,176/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,240
−HK$5,910/mo
▼ 0.25% · 3.875%
HK$97,172
−HK$2,978/mo
Today · 4.125%
HK$100,150
baseline
▲ 0.50% · 4.625%
HK$106,244
+HK$6,094/mo
Deposit HK$13.78M · loan HK$20.66M · min. income ≈ HK$200,300/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,463,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,841
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$107,653
−HK$2,852/mo
Today · 4.125%
HK$110,505
baseline
▲ 0.50% · 4.625%
HK$116,330
+HK$5,825/mo
Deposit HK$13.78M · loan HK$20.66M · min. income ≈ HK$221,010/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,463,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,947
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,367
−HK$3,474/mo
Today · 4.125%
HK$116,841
baseline
▲ 0.50% · 4.625%
HK$123,951
+HK$7,110/mo
Deposit HK$10.33M · loan HK$24.11M · min. income ≈ HK$233,682/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,463,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,315
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$125,595
−HK$3,328/mo
Today · 4.125%
HK$128,923
baseline
▲ 0.50% · 4.625%
HK$135,719
+HK$6,796/mo
Deposit HK$10.33M · loan HK$24.11M · min. income ≈ HK$257,846/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,463,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,360
−HK$8,865/mo
▼ 0.25% · 3.875%
HK$145,757
−HK$4,468/mo
Today · 4.125%
HK$150,225
baseline
▲ 0.50% · 4.625%
HK$159,366
+HK$9,141/mo
Deposit HK$3.44M · loan HK$31.00M · min. income ≈ HK$300,450/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,262
−HK$8,496/mo
▼ 0.25% · 3.875%
HK$161,480
−HK$4,278/mo
Today · 4.125%
HK$165,758
baseline
▲ 0.50% · 4.625%
HK$174,496
+HK$8,738/mo
Deposit HK$3.44M · loan HK$31.00M · min. income ≈ HK$331,516/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,727 · Scale 2, in force from 26 Feb 2026)