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$78,272
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,707
−HK$2,474/mo
Today · 4.125%
HK$83,181
baseline
▲ 0.50% · 4.625%
HK$88,242
+HK$5,061/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,362/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,077
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,413
−HK$2,369/mo
Today · 4.125%
HK$91,782
baseline
▲ 0.50% · 4.625%
HK$96,620
+HK$4,838/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,564/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,927
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$96,848
−HK$2,969/mo
Today · 4.125%
HK$99,817
baseline
▲ 0.50% · 4.625%
HK$105,890
+HK$6,073/mo
Deposit HK$13.73M · loan HK$20.60M · min. income ≈ HK$199,634/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,493
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$107,295
−HK$2,843/mo
Today · 4.125%
HK$110,138
baseline
▲ 0.50% · 4.625%
HK$115,944
+HK$5,806/mo
Deposit HK$13.73M · loan HK$20.60M · min. income ≈ HK$220,276/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,581
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$112,990
−HK$3,463/mo
Today · 4.125%
HK$116,453
baseline
▲ 0.50% · 4.625%
HK$123,539
+HK$7,086/mo
Deposit HK$10.30M · loan HK$24.03M · min. income ≈ HK$232,906/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,458,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,908
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$125,178
−HK$3,316/mo
Today · 4.125%
HK$128,494
baseline
▲ 0.50% · 4.625%
HK$135,268
+HK$6,774/mo
Deposit HK$10.30M · loan HK$24.03M · min. income ≈ HK$256,988/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,458,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,890
−HK$8,835/mo
▼ 0.25% · 3.875%
HK$145,273
−HK$4,452/mo
Today · 4.125%
HK$149,725
baseline
▲ 0.50% · 4.625%
HK$158,836
+HK$9,111/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$299,450/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,739
−HK$8,468/mo
▼ 0.25% · 3.875%
HK$160,943
−HK$4,264/mo
Today · 4.125%
HK$165,207
baseline
▲ 0.50% · 4.625%
HK$173,915
+HK$8,708/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$330,414/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,860 · Scale 2, in force from 26 Feb 2026)