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$78,523
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,966
−HK$2,482/mo
Today · 4.125%
HK$83,448
baseline
▲ 0.50% · 4.625%
HK$88,525
+HK$5,077/mo
Deposit HK$17.22M · loan HK$17.22M · min. income ≈ HK$166,896/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,356
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,699
−HK$2,377/mo
Today · 4.125%
HK$92,076
baseline
▲ 0.50% · 4.625%
HK$96,930
+HK$4,854/mo
Deposit HK$17.22M · loan HK$17.22M · min. income ≈ HK$184,152/mo (50% DSR)
Upfront cash ≈ HK$18.68M (deposit + AVD stamp duty HK$1,463,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,228
−HK$5,909/mo
▼ 0.25% · 3.875%
HK$97,159
−HK$2,978/mo
Today · 4.125%
HK$100,137
baseline
▲ 0.50% · 4.625%
HK$106,230
+HK$6,093/mo
Deposit HK$13.77M · loan HK$20.66M · min. income ≈ HK$200,274/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,463,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,828
−HK$5,663/mo
▼ 0.25% · 3.875%
HK$107,639
−HK$2,852/mo
Today · 4.125%
HK$110,491
baseline
▲ 0.50% · 4.625%
HK$116,315
+HK$5,824/mo
Deposit HK$13.77M · loan HK$20.66M · min. income ≈ HK$220,982/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,463,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,933
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$113,352
−HK$3,475/mo
Today · 4.125%
HK$116,827
baseline
▲ 0.50% · 4.625%
HK$123,935
+HK$7,108/mo
Deposit HK$10.33M · loan HK$24.11M · min. income ≈ HK$233,654/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,463,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,299
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$125,579
−HK$3,328/mo
Today · 4.125%
HK$128,907
baseline
▲ 0.50% · 4.625%
HK$135,701
+HK$6,794/mo
Deposit HK$10.33M · loan HK$24.11M · min. income ≈ HK$257,814/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$1,463,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,342
−HK$8,864/mo
▼ 0.25% · 3.875%
HK$145,739
−HK$4,467/mo
Today · 4.125%
HK$150,206
baseline
▲ 0.50% · 4.625%
HK$159,345
+HK$9,139/mo
Deposit HK$3.44M · loan HK$30.99M · min. income ≈ HK$300,412/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,242
−HK$8,495/mo
▼ 0.25% · 3.875%
HK$161,459
−HK$4,278/mo
Today · 4.125%
HK$165,737
baseline
▲ 0.50% · 4.625%
HK$174,473
+HK$8,736/mo
Deposit HK$3.44M · loan HK$30.99M · min. income ≈ HK$331,474/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$1,463,540 · Scale 2, in force from 26 Feb 2026)