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$78,287
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,722
−HK$2,474/mo
Today · 4.125%
HK$83,196
baseline
▲ 0.50% · 4.625%
HK$88,259
+HK$5,063/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$166,392/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,093
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,429
−HK$2,370/mo
Today · 4.125%
HK$91,799
baseline
▲ 0.50% · 4.625%
HK$96,638
+HK$4,839/mo
Deposit HK$17.17M · loan HK$17.17M · min. income ≈ HK$183,598/mo (50% DSR)
Upfront cash ≈ HK$18.63M (deposit + AVD stamp duty HK$1,459,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,944
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$96,867
−HK$2,969/mo
Today · 4.125%
HK$99,836
baseline
▲ 0.50% · 4.625%
HK$105,910
+HK$6,074/mo
Deposit HK$13.73M · loan HK$20.60M · min. income ≈ HK$199,672/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,459,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,512
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$107,315
−HK$2,844/mo
Today · 4.125%
HK$110,159
baseline
▲ 0.50% · 4.625%
HK$115,965
+HK$5,806/mo
Deposit HK$13.73M · loan HK$20.60M · min. income ≈ HK$220,318/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,459,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,602
−HK$6,873/mo
▼ 0.25% · 3.875%
HK$113,011
−HK$3,464/mo
Today · 4.125%
HK$116,475
baseline
▲ 0.50% · 4.625%
HK$123,562
+HK$7,087/mo
Deposit HK$10.30M · loan HK$24.03M · min. income ≈ HK$232,950/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,931
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$125,201
−HK$3,317/mo
Today · 4.125%
HK$128,518
baseline
▲ 0.50% · 4.625%
HK$135,293
+HK$6,775/mo
Deposit HK$10.30M · loan HK$24.03M · min. income ≈ HK$257,036/mo (50% DSR)
Upfront cash ≈ HK$11.76M (deposit + AVD stamp duty HK$1,459,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,917
−HK$8,836/mo
▼ 0.25% · 3.875%
HK$145,300
−HK$4,453/mo
Today · 4.125%
HK$149,753
baseline
▲ 0.50% · 4.625%
HK$158,865
+HK$9,112/mo
Deposit HK$3.43M · loan HK$30.90M · min. income ≈ HK$299,506/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,768
−HK$8,470/mo
▼ 0.25% · 3.875%
HK$160,973
−HK$4,265/mo
Today · 4.125%
HK$165,238
baseline
▲ 0.50% · 4.625%
HK$173,948
+HK$8,710/mo
Deposit HK$3.43M · loan HK$30.90M · min. income ≈ HK$330,476/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,459,133 · Scale 2, in force from 26 Feb 2026)