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$79,335
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,803
−HK$2,507/mo
Today · 4.125%
HK$84,310
baseline
▲ 0.50% · 4.625%
HK$89,440
+HK$5,130/mo
Deposit HK$17.40M · loan HK$17.40M · min. income ≈ HK$168,620/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,478,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,259
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,626
−HK$2,402/mo
Today · 4.125%
HK$93,028
baseline
▲ 0.50% · 4.625%
HK$97,931
+HK$4,903/mo
Deposit HK$17.40M · loan HK$17.40M · min. income ≈ HK$186,056/mo (50% DSR)
Upfront cash ≈ HK$18.87M (deposit + AVD stamp duty HK$1,478,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,202
−HK$5,970/mo
▼ 0.25% · 3.875%
HK$98,163
−HK$3,009/mo
Today · 4.125%
HK$101,172
baseline
▲ 0.50% · 4.625%
HK$107,328
+HK$6,156/mo
Deposit HK$13.92M · loan HK$20.88M · min. income ≈ HK$202,344/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,478,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,911
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$108,752
−HK$2,881/mo
Today · 4.125%
HK$111,633
baseline
▲ 0.50% · 4.625%
HK$117,518
+HK$5,885/mo
Deposit HK$13.92M · loan HK$20.88M · min. income ≈ HK$223,266/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,478,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,069
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,524
−HK$3,510/mo
Today · 4.125%
HK$118,034
baseline
▲ 0.50% · 4.625%
HK$125,216
+HK$7,182/mo
Deposit HK$10.44M · loan HK$24.35M · min. income ≈ HK$236,068/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,478,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,563
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$126,877
−HK$3,362/mo
Today · 4.125%
HK$130,239
baseline
▲ 0.50% · 4.625%
HK$137,104
+HK$6,865/mo
Deposit HK$10.44M · loan HK$24.35M · min. income ≈ HK$260,478/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,478,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,803
−HK$8,955/mo
▼ 0.25% · 3.875%
HK$147,245
−HK$4,513/mo
Today · 4.125%
HK$151,758
baseline
▲ 0.50% · 4.625%
HK$160,992
+HK$9,234/mo
Deposit HK$3.48M · loan HK$31.31M · min. income ≈ HK$303,516/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,478,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$158,867
−HK$8,583/mo
▼ 0.25% · 3.875%
HK$163,128
−HK$4,322/mo
Today · 4.125%
HK$167,450
baseline
▲ 0.50% · 4.625%
HK$176,277
+HK$8,827/mo
Deposit HK$3.48M · loan HK$31.31M · min. income ≈ HK$334,900/mo (50% DSR)
Upfront cash ≈ HK$4.96M (deposit + AVD stamp duty HK$1,478,667 · Scale 2, in force from 26 Feb 2026)