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$78,167
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,598
−HK$2,471/mo
Today · 4.125%
HK$83,069
baseline
▲ 0.50% · 4.625%
HK$88,123
+HK$5,054/mo
Deposit HK$17.14M · loan HK$17.14M · min. income ≈ HK$166,138/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,456,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,960
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,292
−HK$2,366/mo
Today · 4.125%
HK$91,658
baseline
▲ 0.50% · 4.625%
HK$96,489
+HK$4,831/mo
Deposit HK$17.14M · loan HK$17.14M · min. income ≈ HK$183,316/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,456,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,800
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$96,718
−HK$2,964/mo
Today · 4.125%
HK$99,682
baseline
▲ 0.50% · 4.625%
HK$105,748
+HK$6,066/mo
Deposit HK$13.71M · loan HK$20.57M · min. income ≈ HK$199,364/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,456,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,352
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$107,150
−HK$2,840/mo
Today · 4.125%
HK$109,990
baseline
▲ 0.50% · 4.625%
HK$115,787
+HK$5,797/mo
Deposit HK$13.71M · loan HK$20.57M · min. income ≈ HK$219,980/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,456,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,434
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$112,838
−HK$3,458/mo
Today · 4.125%
HK$116,296
baseline
▲ 0.50% · 4.625%
HK$123,372
+HK$7,076/mo
Deposit HK$10.28M · loan HK$24.00M · min. income ≈ HK$232,592/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,744
−HK$6,577/mo
▼ 0.25% · 3.875%
HK$125,009
−HK$3,312/mo
Today · 4.125%
HK$128,321
baseline
▲ 0.50% · 4.625%
HK$135,085
+HK$6,764/mo
Deposit HK$10.28M · loan HK$24.00M · min. income ≈ HK$256,642/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,700
−HK$8,823/mo
▼ 0.25% · 3.875%
HK$145,077
−HK$4,446/mo
Today · 4.125%
HK$149,523
baseline
▲ 0.50% · 4.625%
HK$158,622
+HK$9,099/mo
Deposit HK$3.43M · loan HK$30.85M · min. income ≈ HK$299,046/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,528
−HK$8,456/mo
▼ 0.25% · 3.875%
HK$160,726
−HK$4,258/mo
Today · 4.125%
HK$164,984
baseline
▲ 0.50% · 4.625%
HK$173,681
+HK$8,697/mo
Deposit HK$3.43M · loan HK$30.85M · min. income ≈ HK$329,968/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,894 · Scale 2, in force from 26 Feb 2026)