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$78,695
−HK$4,935/mo
▼ 0.25% · 3.875%
HK$81,143
−HK$2,487/mo
Today · 4.125%
HK$83,630
baseline
▲ 0.50% · 4.625%
HK$88,719
+HK$5,089/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$167,260/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,548
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,896
−HK$2,382/mo
Today · 4.125%
HK$92,278
baseline
▲ 0.50% · 4.625%
HK$97,142
+HK$4,864/mo
Deposit HK$17.26M · loan HK$17.26M · min. income ≈ HK$184,556/mo (50% DSR)
Upfront cash ≈ HK$18.72M (deposit + AVD stamp duty HK$1,466,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,434
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$97,372
−HK$2,984/mo
Today · 4.125%
HK$100,356
baseline
▲ 0.50% · 4.625%
HK$106,463
+HK$6,107/mo
Deposit HK$13.80M · loan HK$20.71M · min. income ≈ HK$200,712/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,057
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$107,875
−HK$2,858/mo
Today · 4.125%
HK$110,733
baseline
▲ 0.50% · 4.625%
HK$116,570
+HK$5,837/mo
Deposit HK$13.80M · loan HK$20.71M · min. income ≈ HK$221,466/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,466,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,173
−HK$6,909/mo
▼ 0.25% · 3.875%
HK$113,600
−HK$3,482/mo
Today · 4.125%
HK$117,082
baseline
▲ 0.50% · 4.625%
HK$124,206
+HK$7,124/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$234,164/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,567
−HK$6,622/mo
▼ 0.25% · 3.875%
HK$125,854
−HK$3,335/mo
Today · 4.125%
HK$129,189
baseline
▲ 0.50% · 4.625%
HK$135,998
+HK$6,809/mo
Deposit HK$10.35M · loan HK$24.16M · min. income ≈ HK$258,378/mo (50% DSR)
Upfront cash ≈ HK$11.82M (deposit + AVD stamp duty HK$1,466,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,652
−HK$8,882/mo
▼ 0.25% · 3.875%
HK$146,058
−HK$4,476/mo
Today · 4.125%
HK$150,534
baseline
▲ 0.50% · 4.625%
HK$159,694
+HK$9,160/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$301,068/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,586
−HK$8,514/mo
▼ 0.25% · 3.875%
HK$161,812
−HK$4,288/mo
Today · 4.125%
HK$166,100
baseline
▲ 0.50% · 4.625%
HK$174,855
+HK$8,755/mo
Deposit HK$3.45M · loan HK$31.06M · min. income ≈ HK$332,200/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$1,466,743 · Scale 2, in force from 26 Feb 2026)