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$78,334
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,771
−HK$2,476/mo
Today · 4.125%
HK$83,247
baseline
▲ 0.50% · 4.625%
HK$88,312
+HK$5,065/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$166,494/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,146
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,483
−HK$2,371/mo
Today · 4.125%
HK$91,854
baseline
▲ 0.50% · 4.625%
HK$96,696
+HK$4,842/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$183,708/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,001
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$96,925
−HK$2,971/mo
Today · 4.125%
HK$99,896
baseline
▲ 0.50% · 4.625%
HK$105,974
+HK$6,078/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$199,792/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,460,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,576
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$107,380
−HK$2,845/mo
Today · 4.125%
HK$110,225
baseline
▲ 0.50% · 4.625%
HK$116,036
+HK$5,811/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$220,450/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,460,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,668
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$113,079
−HK$3,466/mo
Today · 4.125%
HK$116,545
baseline
▲ 0.50% · 4.625%
HK$123,637
+HK$7,092/mo
Deposit HK$10.31M · loan HK$24.05M · min. income ≈ HK$233,090/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,005
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$125,277
−HK$3,319/mo
Today · 4.125%
HK$128,596
baseline
▲ 0.50% · 4.625%
HK$135,375
+HK$6,779/mo
Deposit HK$10.31M · loan HK$24.05M · min. income ≈ HK$257,192/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,002
−HK$8,842/mo
▼ 0.25% · 3.875%
HK$145,388
−HK$4,456/mo
Today · 4.125%
HK$149,844
baseline
▲ 0.50% · 4.625%
HK$158,962
+HK$9,118/mo
Deposit HK$3.44M · loan HK$30.92M · min. income ≈ HK$299,688/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,863
−HK$8,475/mo
▼ 0.25% · 3.875%
HK$161,070
−HK$4,268/mo
Today · 4.125%
HK$165,338
baseline
▲ 0.50% · 4.625%
HK$174,053
+HK$8,715/mo
Deposit HK$3.44M · loan HK$30.92M · min. income ≈ HK$330,676/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,017 · Scale 2, in force from 26 Feb 2026)