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$78,369
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,806
−HK$2,477/mo
Today · 4.125%
HK$83,283
baseline
▲ 0.50% · 4.625%
HK$88,350
+HK$5,067/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$166,566/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,184
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,522
−HK$2,372/mo
Today · 4.125%
HK$91,894
baseline
▲ 0.50% · 4.625%
HK$96,738
+HK$4,844/mo
Deposit HK$17.18M · loan HK$17.18M · min. income ≈ HK$183,788/mo (50% DSR)
Upfront cash ≈ HK$18.64M (deposit + AVD stamp duty HK$1,460,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,042
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,967
−HK$2,972/mo
Today · 4.125%
HK$99,939
baseline
▲ 0.50% · 4.625%
HK$106,021
+HK$6,082/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$199,878/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,621
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,427
−HK$2,846/mo
Today · 4.125%
HK$110,273
baseline
▲ 0.50% · 4.625%
HK$116,086
+HK$5,813/mo
Deposit HK$13.75M · loan HK$20.62M · min. income ≈ HK$220,546/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,460,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,716
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$113,129
−HK$3,467/mo
Today · 4.125%
HK$116,596
baseline
▲ 0.50% · 4.625%
HK$123,691
+HK$7,095/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$233,192/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,058
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$125,331
−HK$3,321/mo
Today · 4.125%
HK$128,652
baseline
▲ 0.50% · 4.625%
HK$135,434
+HK$6,782/mo
Deposit HK$10.31M · loan HK$24.06M · min. income ≈ HK$257,304/mo (50% DSR)
Upfront cash ≈ HK$11.77M (deposit + AVD stamp duty HK$1,460,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,063
−HK$8,846/mo
▼ 0.25% · 3.875%
HK$145,451
−HK$4,458/mo
Today · 4.125%
HK$149,909
baseline
▲ 0.50% · 4.625%
HK$159,031
+HK$9,122/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$299,818/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,932
−HK$8,478/mo
▼ 0.25% · 3.875%
HK$161,140
−HK$4,270/mo
Today · 4.125%
HK$165,410
baseline
▲ 0.50% · 4.625%
HK$174,129
+HK$8,719/mo
Deposit HK$3.44M · loan HK$30.93M · min. income ≈ HK$330,820/mo (50% DSR)
Upfront cash ≈ HK$4.90M (deposit + AVD stamp duty HK$1,460,653 · Scale 2, in force from 26 Feb 2026)