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$78,323
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,760
−HK$2,475/mo
Today · 4.125%
HK$83,235
baseline
▲ 0.50% · 4.625%
HK$88,300
+HK$5,065/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$166,470/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,134
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,471
−HK$2,371/mo
Today · 4.125%
HK$91,842
baseline
▲ 0.50% · 4.625%
HK$96,683
+HK$4,841/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$183,684/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,988
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$96,912
−HK$2,970/mo
Today · 4.125%
HK$99,882
baseline
▲ 0.50% · 4.625%
HK$105,960
+HK$6,078/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$199,764/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,561
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$107,365
−HK$2,845/mo
Today · 4.125%
HK$110,210
baseline
▲ 0.50% · 4.625%
HK$116,019
+HK$5,809/mo
Deposit HK$13.74M · loan HK$20.61M · min. income ≈ HK$220,420/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,459,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,653
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$113,064
−HK$3,465/mo
Today · 4.125%
HK$116,529
baseline
▲ 0.50% · 4.625%
HK$123,620
+HK$7,091/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$233,058/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,988
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$125,259
−HK$3,319/mo
Today · 4.125%
HK$128,578
baseline
▲ 0.50% · 4.625%
HK$135,356
+HK$6,778/mo
Deposit HK$10.30M · loan HK$24.04M · min. income ≈ HK$257,156/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,982
−HK$8,841/mo
▼ 0.25% · 3.875%
HK$145,368
−HK$4,455/mo
Today · 4.125%
HK$149,823
baseline
▲ 0.50% · 4.625%
HK$158,939
+HK$9,116/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$299,646/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,841
−HK$8,474/mo
▼ 0.25% · 3.875%
HK$161,048
−HK$4,267/mo
Today · 4.125%
HK$165,315
baseline
▲ 0.50% · 4.625%
HK$174,029
+HK$8,714/mo
Deposit HK$3.43M · loan HK$30.91M · min. income ≈ HK$330,630/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,813 · Scale 2, in force from 26 Feb 2026)