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$78,640
−HK$4,931/mo
▼ 0.25% · 3.875%
HK$81,086
−HK$2,485/mo
Today · 4.125%
HK$83,571
baseline
▲ 0.50% · 4.625%
HK$88,657
+HK$5,086/mo
Deposit HK$17.24M · loan HK$17.24M · min. income ≈ HK$167,142/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,465,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,486
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$89,833
−HK$2,380/mo
Today · 4.125%
HK$92,213
baseline
▲ 0.50% · 4.625%
HK$97,073
+HK$4,860/mo
Deposit HK$17.24M · loan HK$17.24M · min. income ≈ HK$184,426/mo (50% DSR)
Upfront cash ≈ HK$18.71M (deposit + AVD stamp duty HK$1,465,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,368
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$97,303
−HK$2,983/mo
Today · 4.125%
HK$100,286
baseline
▲ 0.50% · 4.625%
HK$106,388
+HK$6,102/mo
Deposit HK$13.79M · loan HK$20.69M · min. income ≈ HK$200,572/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,465,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,983
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$107,799
−HK$2,856/mo
Today · 4.125%
HK$110,655
baseline
▲ 0.50% · 4.625%
HK$116,488
+HK$5,833/mo
Deposit HK$13.79M · loan HK$20.69M · min. income ≈ HK$221,310/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,465,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,096
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$113,521
−HK$3,479/mo
Today · 4.125%
HK$117,000
baseline
▲ 0.50% · 4.625%
HK$124,119
+HK$7,119/mo
Deposit HK$10.35M · loan HK$24.14M · min. income ≈ HK$234,000/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,465,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,481
−HK$6,617/mo
▼ 0.25% · 3.875%
HK$125,766
−HK$3,332/mo
Today · 4.125%
HK$129,098
baseline
▲ 0.50% · 4.625%
HK$135,903
+HK$6,805/mo
Deposit HK$10.35M · loan HK$24.14M · min. income ≈ HK$258,196/mo (50% DSR)
Upfront cash ≈ HK$11.81M (deposit + AVD stamp duty HK$1,465,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,552
−HK$8,877/mo
▼ 0.25% · 3.875%
HK$145,955
−HK$4,474/mo
Today · 4.125%
HK$150,429
baseline
▲ 0.50% · 4.625%
HK$159,582
+HK$9,153/mo
Deposit HK$3.45M · loan HK$31.04M · min. income ≈ HK$300,858/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,465,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,475
−HK$8,508/mo
▼ 0.25% · 3.875%
HK$161,699
−HK$4,284/mo
Today · 4.125%
HK$165,983
baseline
▲ 0.50% · 4.625%
HK$174,732
+HK$8,749/mo
Deposit HK$3.45M · loan HK$31.04M · min. income ≈ HK$331,966/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,465,713 · Scale 2, in force from 26 Feb 2026)