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$78,866
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,319
−HK$2,492/mo
Today · 4.125%
HK$83,811
baseline
▲ 0.50% · 4.625%
HK$88,911
+HK$5,100/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$167,622/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,737
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,090
−HK$2,387/mo
Today · 4.125%
HK$92,477
baseline
▲ 0.50% · 4.625%
HK$97,352
+HK$4,875/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$184,954/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,639
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,583
−HK$2,990/mo
Today · 4.125%
HK$100,573
baseline
▲ 0.50% · 4.625%
HK$106,693
+HK$6,120/mo
Deposit HK$13.83M · loan HK$20.75M · min. income ≈ HK$201,146/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,285
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$108,108
−HK$2,865/mo
Today · 4.125%
HK$110,973
baseline
▲ 0.50% · 4.625%
HK$116,822
+HK$5,849/mo
Deposit HK$13.83M · loan HK$20.75M · min. income ≈ HK$221,946/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,412
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$113,846
−HK$3,490/mo
Today · 4.125%
HK$117,336
baseline
▲ 0.50% · 4.625%
HK$124,475
+HK$7,139/mo
Deposit HK$10.38M · loan HK$24.21M · min. income ≈ HK$234,672/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,469,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,832
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$126,126
−HK$3,342/mo
Today · 4.125%
HK$129,468
baseline
▲ 0.50% · 4.625%
HK$136,293
+HK$6,825/mo
Deposit HK$10.38M · loan HK$24.21M · min. income ≈ HK$258,936/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,469,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,958
−HK$8,902/mo
▼ 0.25% · 3.875%
HK$146,374
−HK$4,486/mo
Today · 4.125%
HK$150,860
baseline
▲ 0.50% · 4.625%
HK$160,040
+HK$9,180/mo
Deposit HK$3.46M · loan HK$31.13M · min. income ≈ HK$301,720/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,927
−HK$8,532/mo
▼ 0.25% · 3.875%
HK$162,163
−HK$4,296/mo
Today · 4.125%
HK$166,459
baseline
▲ 0.50% · 4.625%
HK$175,234
+HK$8,775/mo
Deposit HK$3.46M · loan HK$31.13M · min. income ≈ HK$332,918/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,918 · Scale 2, in force from 26 Feb 2026)