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$78,362
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,799
−HK$2,477/mo
Today · 4.125%
HK$83,276
baseline
▲ 0.50% · 4.625%
HK$88,343
+HK$5,067/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$166,552/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,177
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,515
−HK$2,371/mo
Today · 4.125%
HK$91,886
baseline
▲ 0.50% · 4.625%
HK$96,730
+HK$4,844/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$183,772/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,034
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,959
−HK$2,972/mo
Today · 4.125%
HK$99,931
baseline
▲ 0.50% · 4.625%
HK$106,011
+HK$6,080/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$199,862/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,612
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,417
−HK$2,847/mo
Today · 4.125%
HK$110,264
baseline
▲ 0.50% · 4.625%
HK$116,076
+HK$5,812/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$220,528/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,706
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$113,119
−HK$3,467/mo
Today · 4.125%
HK$116,586
baseline
▲ 0.50% · 4.625%
HK$123,680
+HK$7,094/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$233,172/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,047
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,320
−HK$3,321/mo
Today · 4.125%
HK$128,641
baseline
▲ 0.50% · 4.625%
HK$135,422
+HK$6,781/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$257,282/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,051
−HK$8,845/mo
▼ 0.25% · 3.875%
HK$145,438
−HK$4,458/mo
Today · 4.125%
HK$149,896
baseline
▲ 0.50% · 4.625%
HK$159,017
+HK$9,121/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$299,792/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,918
−HK$8,477/mo
▼ 0.25% · 3.875%
HK$161,126
−HK$4,269/mo
Today · 4.125%
HK$165,395
baseline
▲ 0.50% · 4.625%
HK$174,114
+HK$8,719/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$330,790/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,524 · Scale 2, in force from 26 Feb 2026)