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$78,104
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,533
−HK$2,468/mo
Today · 4.125%
HK$83,001
baseline
▲ 0.50% · 4.625%
HK$88,052
+HK$5,051/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$166,002/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,455,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,890
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,220
−HK$2,364/mo
Today · 4.125%
HK$91,584
baseline
▲ 0.50% · 4.625%
HK$96,411
+HK$4,827/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$183,168/mo (50% DSR)
Upfront cash ≈ HK$18.58M (deposit + AVD stamp duty HK$1,455,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,724
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$96,640
−HK$2,962/mo
Today · 4.125%
HK$99,602
baseline
▲ 0.50% · 4.625%
HK$105,662
+HK$6,060/mo
Deposit HK$13.70M · loan HK$20.55M · min. income ≈ HK$199,204/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,455,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,267
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$107,064
−HK$2,837/mo
Today · 4.125%
HK$109,901
baseline
▲ 0.50% · 4.625%
HK$115,694
+HK$5,793/mo
Deposit HK$13.70M · loan HK$20.55M · min. income ≈ HK$219,802/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,455,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,345
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$112,746
−HK$3,456/mo
Today · 4.125%
HK$116,202
baseline
▲ 0.50% · 4.625%
HK$123,273
+HK$7,071/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$232,404/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,645
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$124,908
−HK$3,309/mo
Today · 4.125%
HK$128,217
baseline
▲ 0.50% · 4.625%
HK$134,976
+HK$6,759/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$256,434/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,455,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,587
−HK$8,816/mo
▼ 0.25% · 3.875%
HK$144,960
−HK$4,443/mo
Today · 4.125%
HK$149,403
baseline
▲ 0.50% · 4.625%
HK$158,493
+HK$9,090/mo
Deposit HK$3.43M · loan HK$30.83M · min. income ≈ HK$298,806/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,401
−HK$8,450/mo
▼ 0.25% · 3.875%
HK$160,596
−HK$4,255/mo
Today · 4.125%
HK$164,851
baseline
▲ 0.50% · 4.625%
HK$173,541
+HK$8,690/mo
Deposit HK$3.43M · loan HK$30.83M · min. income ≈ HK$329,702/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,455,716 · Scale 2, in force from 26 Feb 2026)