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$78,251
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,685
−HK$2,473/mo
Today · 4.125%
HK$83,158
baseline
▲ 0.50% · 4.625%
HK$88,218
+HK$5,060/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$166,316/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,054
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,389
−HK$2,368/mo
Today · 4.125%
HK$91,757
baseline
▲ 0.50% · 4.625%
HK$96,594
+HK$4,837/mo
Deposit HK$17.16M · loan HK$17.16M · min. income ≈ HK$183,514/mo (50% DSR)
Upfront cash ≈ HK$18.62M (deposit + AVD stamp duty HK$1,458,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,902
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$96,823
−HK$2,967/mo
Today · 4.125%
HK$99,790
baseline
▲ 0.50% · 4.625%
HK$105,862
+HK$6,072/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$199,580/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,465
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$107,266
−HK$2,843/mo
Today · 4.125%
HK$110,109
baseline
▲ 0.50% · 4.625%
HK$115,913
+HK$5,804/mo
Deposit HK$13.73M · loan HK$20.59M · min. income ≈ HK$220,218/mo (50% DSR)
Upfront cash ≈ HK$15.19M (deposit + AVD stamp duty HK$1,458,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,552
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$112,960
−HK$3,462/mo
Today · 4.125%
HK$116,422
baseline
▲ 0.50% · 4.625%
HK$123,506
+HK$7,084/mo
Deposit HK$10.30M · loan HK$24.02M · min. income ≈ HK$232,844/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,875
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$125,144
−HK$3,316/mo
Today · 4.125%
HK$128,460
baseline
▲ 0.50% · 4.625%
HK$135,231
+HK$6,771/mo
Deposit HK$10.30M · loan HK$24.02M · min. income ≈ HK$256,920/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,853
−HK$8,832/mo
▼ 0.25% · 3.875%
HK$145,234
−HK$4,451/mo
Today · 4.125%
HK$149,685
baseline
▲ 0.50% · 4.625%
HK$158,793
+HK$9,108/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$299,370/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,697
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$160,900
−HK$4,263/mo
Today · 4.125%
HK$165,163
baseline
▲ 0.50% · 4.625%
HK$173,869
+HK$8,706/mo
Deposit HK$3.43M · loan HK$30.89M · min. income ≈ HK$330,326/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,470 · Scale 2, in force from 26 Feb 2026)