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$78,123
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,553
−HK$2,469/mo
Today · 4.125%
HK$83,022
baseline
▲ 0.50% · 4.625%
HK$88,073
+HK$5,051/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$166,044/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,911
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,242
−HK$2,364/mo
Today · 4.125%
HK$91,606
baseline
▲ 0.50% · 4.625%
HK$96,435
+HK$4,829/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$183,212/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,747
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$96,663
−HK$2,963/mo
Today · 4.125%
HK$99,626
baseline
▲ 0.50% · 4.625%
HK$105,688
+HK$6,062/mo
Deposit HK$13.70M · loan HK$20.56M · min. income ≈ HK$199,252/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,293
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$107,090
−HK$2,838/mo
Today · 4.125%
HK$109,928
baseline
▲ 0.50% · 4.625%
HK$115,722
+HK$5,794/mo
Deposit HK$13.70M · loan HK$20.56M · min. income ≈ HK$219,856/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,372
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$112,774
−HK$3,457/mo
Today · 4.125%
HK$116,231
baseline
▲ 0.50% · 4.625%
HK$123,303
+HK$7,072/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$232,462/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,456,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,675
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$124,938
−HK$3,311/mo
Today · 4.125%
HK$128,249
baseline
▲ 0.50% · 4.625%
HK$135,009
+HK$6,760/mo
Deposit HK$10.28M · loan HK$23.98M · min. income ≈ HK$256,498/mo (50% DSR)
Upfront cash ≈ HK$11.73M (deposit + AVD stamp duty HK$1,456,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,621
−HK$8,818/mo
▼ 0.25% · 3.875%
HK$144,995
−HK$4,444/mo
Today · 4.125%
HK$149,439
baseline
▲ 0.50% · 4.625%
HK$158,532
+HK$9,093/mo
Deposit HK$3.43M · loan HK$30.83M · min. income ≈ HK$298,878/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,440
−HK$8,451/mo
▼ 0.25% · 3.875%
HK$160,635
−HK$4,256/mo
Today · 4.125%
HK$164,891
baseline
▲ 0.50% · 4.625%
HK$173,583
+HK$8,692/mo
Deposit HK$3.43M · loan HK$30.83M · min. income ≈ HK$329,782/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,073 · Scale 2, in force from 26 Feb 2026)