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$78,255
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,689
−HK$2,473/mo
Today · 4.125%
HK$83,162
baseline
▲ 0.50% · 4.625%
HK$88,222
+HK$5,060/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,324/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,058
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,393
−HK$2,368/mo
Today · 4.125%
HK$91,761
baseline
▲ 0.50% · 4.625%
HK$96,598
+HK$4,837/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,522/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,906
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$96,827
−HK$2,968/mo
Today · 4.125%
HK$99,795
baseline
▲ 0.50% · 4.625%
HK$105,867
+HK$6,072/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$199,590/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,469
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,271
−HK$2,842/mo
Today · 4.125%
HK$110,113
baseline
▲ 0.50% · 4.625%
HK$115,918
+HK$5,805/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$220,226/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,557
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,965
−HK$3,462/mo
Today · 4.125%
HK$116,427
baseline
▲ 0.50% · 4.625%
HK$123,511
+HK$7,084/mo
Deposit HK$10.30M · loan HK$24.02M · min. income ≈ HK$232,854/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,881
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,150
−HK$3,316/mo
Today · 4.125%
HK$128,466
baseline
▲ 0.50% · 4.625%
HK$135,237
+HK$6,771/mo
Deposit HK$10.30M · loan HK$24.02M · min. income ≈ HK$256,932/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,859
−HK$8,833/mo
▼ 0.25% · 3.875%
HK$145,240
−HK$4,452/mo
Today · 4.125%
HK$149,692
baseline
▲ 0.50% · 4.625%
HK$158,800
+HK$9,108/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$299,384/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,704
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$160,907
−HK$4,263/mo
Today · 4.125%
HK$165,170
baseline
▲ 0.50% · 4.625%
HK$173,876
+HK$8,706/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$330,340/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,534 · Scale 2, in force from 26 Feb 2026)