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$78,760
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$81,210
−HK$2,489/mo
Today · 4.125%
HK$83,699
baseline
▲ 0.50% · 4.625%
HK$88,792
+HK$5,093/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$167,398/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,467,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,620
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$89,970
−HK$2,384/mo
Today · 4.125%
HK$92,354
baseline
▲ 0.50% · 4.625%
HK$97,222
+HK$4,868/mo
Deposit HK$17.27M · loan HK$17.27M · min. income ≈ HK$184,708/mo (50% DSR)
Upfront cash ≈ HK$18.74M (deposit + AVD stamp duty HK$1,467,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,512
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$97,452
−HK$2,987/mo
Today · 4.125%
HK$100,439
baseline
▲ 0.50% · 4.625%
HK$106,550
+HK$6,111/mo
Deposit HK$13.82M · loan HK$20.72M · min. income ≈ HK$200,878/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,144
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,964
−HK$2,860/mo
Today · 4.125%
HK$110,824
baseline
▲ 0.50% · 4.625%
HK$116,666
+HK$5,842/mo
Deposit HK$13.82M · loan HK$20.72M · min. income ≈ HK$221,648/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,467,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,264
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$113,694
−HK$3,485/mo
Today · 4.125%
HK$117,179
baseline
▲ 0.50% · 4.625%
HK$124,309
+HK$7,130/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$234,358/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,668
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$125,958
−HK$3,337/mo
Today · 4.125%
HK$129,295
baseline
▲ 0.50% · 4.625%
HK$136,111
+HK$6,816/mo
Deposit HK$10.36M · loan HK$24.18M · min. income ≈ HK$258,590/mo (50% DSR)
Upfront cash ≈ HK$11.83M (deposit + AVD stamp duty HK$1,467,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,768
−HK$8,890/mo
▼ 0.25% · 3.875%
HK$146,178
−HK$4,480/mo
Today · 4.125%
HK$150,658
baseline
▲ 0.50% · 4.625%
HK$159,826
+HK$9,168/mo
Deposit HK$3.45M · loan HK$31.09M · min. income ≈ HK$301,316/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,716
−HK$8,521/mo
▼ 0.25% · 3.875%
HK$161,946
−HK$4,291/mo
Today · 4.125%
HK$166,237
baseline
▲ 0.50% · 4.625%
HK$174,999
+HK$8,762/mo
Deposit HK$3.45M · loan HK$31.09M · min. income ≈ HK$332,474/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,467,953 · Scale 2, in force from 26 Feb 2026)