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$78,482
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$80,924
−HK$2,480/mo
Today · 4.125%
HK$83,404
baseline
▲ 0.50% · 4.625%
HK$88,479
+HK$5,075/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$166,808/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,311
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,652
−HK$2,376/mo
Today · 4.125%
HK$92,028
baseline
▲ 0.50% · 4.625%
HK$96,879
+HK$4,851/mo
Deposit HK$17.21M · loan HK$17.21M · min. income ≈ HK$184,056/mo (50% DSR)
Upfront cash ≈ HK$18.67M (deposit + AVD stamp duty HK$1,462,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,179
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,108
−HK$2,977/mo
Today · 4.125%
HK$100,085
baseline
▲ 0.50% · 4.625%
HK$106,175
+HK$6,090/mo
Deposit HK$13.77M · loan HK$20.65M · min. income ≈ HK$200,170/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,773
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$107,583
−HK$2,851/mo
Today · 4.125%
HK$110,434
baseline
▲ 0.50% · 4.625%
HK$116,255
+HK$5,821/mo
Deposit HK$13.77M · loan HK$20.65M · min. income ≈ HK$220,868/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,462,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,875
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$113,293
−HK$3,472/mo
Today · 4.125%
HK$116,765
baseline
▲ 0.50% · 4.625%
HK$123,870
+HK$7,105/mo
Deposit HK$10.33M · loan HK$24.09M · min. income ≈ HK$233,530/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,462,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,235
−HK$6,604/mo
▼ 0.25% · 3.875%
HK$125,513
−HK$3,326/mo
Today · 4.125%
HK$128,839
baseline
▲ 0.50% · 4.625%
HK$135,630
+HK$6,791/mo
Deposit HK$10.33M · loan HK$24.09M · min. income ≈ HK$257,678/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,462,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,268
−HK$8,859/mo
▼ 0.25% · 3.875%
HK$145,662
−HK$4,465/mo
Today · 4.125%
HK$150,127
baseline
▲ 0.50% · 4.625%
HK$159,262
+HK$9,135/mo
Deposit HK$3.44M · loan HK$30.98M · min. income ≈ HK$300,254/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,160
−HK$8,490/mo
▼ 0.25% · 3.875%
HK$161,374
−HK$4,276/mo
Today · 4.125%
HK$165,650
baseline
▲ 0.50% · 4.625%
HK$174,382
+HK$8,732/mo
Deposit HK$3.44M · loan HK$30.98M · min. income ≈ HK$331,300/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,462,775 · Scale 2, in force from 26 Feb 2026)