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$78,377
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,815
−HK$2,477/mo
Today · 4.125%
HK$83,292
baseline
▲ 0.50% · 4.625%
HK$88,360
+HK$5,068/mo
Deposit HK$17.19M · loan HK$17.19M · min. income ≈ HK$166,584/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,460,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,194
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,532
−HK$2,372/mo
Today · 4.125%
HK$91,904
baseline
▲ 0.50% · 4.625%
HK$96,749
+HK$4,845/mo
Deposit HK$17.19M · loan HK$17.19M · min. income ≈ HK$183,808/mo (50% DSR)
Upfront cash ≈ HK$18.65M (deposit + AVD stamp duty HK$1,460,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,052
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$96,978
−HK$2,972/mo
Today · 4.125%
HK$99,950
baseline
▲ 0.50% · 4.625%
HK$106,032
+HK$6,082/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$199,900/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,632
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$107,438
−HK$2,847/mo
Today · 4.125%
HK$110,285
baseline
▲ 0.50% · 4.625%
HK$116,098
+HK$5,813/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$220,570/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,728
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$113,141
−HK$3,468/mo
Today · 4.125%
HK$116,609
baseline
▲ 0.50% · 4.625%
HK$123,704
+HK$7,095/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$233,218/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,071
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$125,345
−HK$3,321/mo
Today · 4.125%
HK$128,666
baseline
▲ 0.50% · 4.625%
HK$135,448
+HK$6,782/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$257,332/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,078
−HK$8,847/mo
▼ 0.25% · 3.875%
HK$145,467
−HK$4,458/mo
Today · 4.125%
HK$149,925
baseline
▲ 0.50% · 4.625%
HK$159,048
+HK$9,123/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$299,850/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,948
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$161,158
−HK$4,270/mo
Today · 4.125%
HK$165,428
baseline
▲ 0.50% · 4.625%
HK$174,148
+HK$8,720/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$330,856/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,809 · Scale 2, in force from 26 Feb 2026)