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$78,232
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,666
−HK$2,472/mo
Today · 4.125%
HK$83,138
baseline
▲ 0.50% · 4.625%
HK$88,197
+HK$5,059/mo
Deposit HK$17.15M · loan HK$17.15M · min. income ≈ HK$166,276/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,458,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,032
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,367
−HK$2,368/mo
Today · 4.125%
HK$91,735
baseline
▲ 0.50% · 4.625%
HK$96,570
+HK$4,835/mo
Deposit HK$17.15M · loan HK$17.15M · min. income ≈ HK$183,470/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,458,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,879
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,799
−HK$2,967/mo
Today · 4.125%
HK$99,766
baseline
▲ 0.50% · 4.625%
HK$105,836
+HK$6,070/mo
Deposit HK$13.72M · loan HK$20.59M · min. income ≈ HK$199,532/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,439
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$107,240
−HK$2,841/mo
Today · 4.125%
HK$110,081
baseline
▲ 0.50% · 4.625%
HK$115,884
+HK$5,803/mo
Deposit HK$13.72M · loan HK$20.59M · min. income ≈ HK$220,162/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,525
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,932
−HK$3,461/mo
Today · 4.125%
HK$116,393
baseline
▲ 0.50% · 4.625%
HK$123,475
+HK$7,082/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$232,786/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,845
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$125,113
−HK$3,315/mo
Today · 4.125%
HK$128,428
baseline
▲ 0.50% · 4.625%
HK$135,198
+HK$6,770/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$256,856/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,818
−HK$8,830/mo
▼ 0.25% · 3.875%
HK$145,198
−HK$4,450/mo
Today · 4.125%
HK$149,648
baseline
▲ 0.50% · 4.625%
HK$158,754
+HK$9,106/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$299,296/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,658
−HK$8,464/mo
▼ 0.25% · 3.875%
HK$160,860
−HK$4,262/mo
Today · 4.125%
HK$165,122
baseline
▲ 0.50% · 4.625%
HK$173,826
+HK$8,704/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$330,244/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,111 · Scale 2, in force from 26 Feb 2026)