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$78,555
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$80,999
−HK$2,482/mo
Today · 4.125%
HK$83,481
baseline
▲ 0.50% · 4.625%
HK$88,561
+HK$5,080/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$166,962/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,464,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,392
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,736
−HK$2,377/mo
Today · 4.125%
HK$92,113
baseline
▲ 0.50% · 4.625%
HK$96,969
+HK$4,856/mo
Deposit HK$17.23M · loan HK$17.23M · min. income ≈ HK$184,226/mo (50% DSR)
Upfront cash ≈ HK$18.69M (deposit + AVD stamp duty HK$1,464,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,266
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$97,199
−HK$2,979/mo
Today · 4.125%
HK$100,178
baseline
▲ 0.50% · 4.625%
HK$106,273
+HK$6,095/mo
Deposit HK$13.78M · loan HK$20.67M · min. income ≈ HK$200,356/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,464,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,870
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$107,683
−HK$2,853/mo
Today · 4.125%
HK$110,536
baseline
▲ 0.50% · 4.625%
HK$116,363
+HK$5,827/mo
Deposit HK$13.78M · loan HK$20.67M · min. income ≈ HK$221,072/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,464,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,977
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$113,398
−HK$3,476/mo
Today · 4.125%
HK$116,874
baseline
▲ 0.50% · 4.625%
HK$123,985
+HK$7,111/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$233,748/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,349
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$125,630
−HK$3,329/mo
Today · 4.125%
HK$128,959
baseline
▲ 0.50% · 4.625%
HK$135,756
+HK$6,797/mo
Deposit HK$10.34M · loan HK$24.12M · min. income ≈ HK$257,918/mo (50% DSR)
Upfront cash ≈ HK$11.80M (deposit + AVD stamp duty HK$1,464,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,399
−HK$8,867/mo
▼ 0.25% · 3.875%
HK$145,798
−HK$4,468/mo
Today · 4.125%
HK$150,266
baseline
▲ 0.50% · 4.625%
HK$159,410
+HK$9,144/mo
Deposit HK$3.45M · loan HK$31.01M · min. income ≈ HK$300,532/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,306
−HK$8,498/mo
▼ 0.25% · 3.875%
HK$161,524
−HK$4,280/mo
Today · 4.125%
HK$165,804
baseline
▲ 0.50% · 4.625%
HK$174,544
+HK$8,740/mo
Deposit HK$3.45M · loan HK$31.01M · min. income ≈ HK$331,608/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,464,134 · Scale 2, in force from 26 Feb 2026)