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$78,198
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,630
−HK$2,472/mo
Today · 4.125%
HK$83,102
baseline
▲ 0.50% · 4.625%
HK$88,158
+HK$5,056/mo
Deposit HK$17.15M · loan HK$17.15M · min. income ≈ HK$166,204/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,457,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,995
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,328
−HK$2,367/mo
Today · 4.125%
HK$91,695
baseline
▲ 0.50% · 4.625%
HK$96,528
+HK$4,833/mo
Deposit HK$17.15M · loan HK$17.15M · min. income ≈ HK$183,390/mo (50% DSR)
Upfront cash ≈ HK$18.60M (deposit + AVD stamp duty HK$1,457,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,838
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$96,757
−HK$2,965/mo
Today · 4.125%
HK$99,722
baseline
▲ 0.50% · 4.625%
HK$105,790
+HK$6,068/mo
Deposit HK$13.72M · loan HK$20.58M · min. income ≈ HK$199,444/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,457,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,393
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$107,193
−HK$2,841/mo
Today · 4.125%
HK$110,034
baseline
▲ 0.50% · 4.625%
HK$115,834
+HK$5,800/mo
Deposit HK$13.72M · loan HK$20.58M · min. income ≈ HK$220,068/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,457,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,477
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$112,883
−HK$3,459/mo
Today · 4.125%
HK$116,342
baseline
▲ 0.50% · 4.625%
HK$123,422
+HK$7,080/mo
Deposit HK$10.29M · loan HK$24.01M · min. income ≈ HK$232,684/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,457,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,792
−HK$6,580/mo
▼ 0.25% · 3.875%
HK$125,059
−HK$3,313/mo
Today · 4.125%
HK$128,372
baseline
▲ 0.50% · 4.625%
HK$135,139
+HK$6,767/mo
Deposit HK$10.29M · loan HK$24.01M · min. income ≈ HK$256,744/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,457,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,757
−HK$8,826/mo
▼ 0.25% · 3.875%
HK$145,135
−HK$4,448/mo
Today · 4.125%
HK$149,583
baseline
▲ 0.50% · 4.625%
HK$158,685
+HK$9,102/mo
Deposit HK$3.43M · loan HK$30.86M · min. income ≈ HK$299,166/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,457,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,590
−HK$8,460/mo
▼ 0.25% · 3.875%
HK$160,790
−HK$4,260/mo
Today · 4.125%
HK$165,050
baseline
▲ 0.50% · 4.625%
HK$173,750
+HK$8,700/mo
Deposit HK$3.43M · loan HK$30.86M · min. income ≈ HK$330,100/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,457,476 · Scale 2, in force from 26 Feb 2026)