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$78,863
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,316
−HK$2,492/mo
Today · 4.125%
HK$83,808
baseline
▲ 0.50% · 4.625%
HK$88,908
+HK$5,100/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$167,616/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,734
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,087
−HK$2,387/mo
Today · 4.125%
HK$92,474
baseline
▲ 0.50% · 4.625%
HK$97,348
+HK$4,874/mo
Deposit HK$17.29M · loan HK$17.29M · min. income ≈ HK$184,948/mo (50% DSR)
Upfront cash ≈ HK$18.76M (deposit + AVD stamp duty HK$1,469,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,635
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$97,579
−HK$2,991/mo
Today · 4.125%
HK$100,570
baseline
▲ 0.50% · 4.625%
HK$106,689
+HK$6,119/mo
Deposit HK$13.83M · loan HK$20.75M · min. income ≈ HK$201,140/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,281
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$108,104
−HK$2,865/mo
Today · 4.125%
HK$110,969
baseline
▲ 0.50% · 4.625%
HK$116,818
+HK$5,849/mo
Deposit HK$13.83M · loan HK$20.75M · min. income ≈ HK$221,938/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,469,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,408
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$113,842
−HK$3,489/mo
Today · 4.125%
HK$117,331
baseline
▲ 0.50% · 4.625%
HK$124,471
+HK$7,140/mo
Deposit HK$10.38M · loan HK$24.21M · min. income ≈ HK$234,662/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,469,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,828
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$126,122
−HK$3,342/mo
Today · 4.125%
HK$129,464
baseline
▲ 0.50% · 4.625%
HK$136,288
+HK$6,824/mo
Deposit HK$10.38M · loan HK$24.21M · min. income ≈ HK$258,928/mo (50% DSR)
Upfront cash ≈ HK$11.85M (deposit + AVD stamp duty HK$1,469,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,953
−HK$8,902/mo
▼ 0.25% · 3.875%
HK$146,368
−HK$4,487/mo
Today · 4.125%
HK$150,855
baseline
▲ 0.50% · 4.625%
HK$160,034
+HK$9,179/mo
Deposit HK$3.46M · loan HK$31.13M · min. income ≈ HK$301,710/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,921
−HK$8,532/mo
▼ 0.25% · 3.875%
HK$162,156
−HK$4,297/mo
Today · 4.125%
HK$166,453
baseline
▲ 0.50% · 4.625%
HK$175,227
+HK$8,774/mo
Deposit HK$3.46M · loan HK$31.13M · min. income ≈ HK$332,906/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$1,469,863 · Scale 2, in force from 26 Feb 2026)