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$78,141
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,571
−HK$2,470/mo
Today · 4.125%
HK$83,041
baseline
▲ 0.50% · 4.625%
HK$88,094
+HK$5,053/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$166,082/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,931
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,262
−HK$2,365/mo
Today · 4.125%
HK$91,627
baseline
▲ 0.50% · 4.625%
HK$96,457
+HK$4,830/mo
Deposit HK$17.13M · loan HK$17.13M · min. income ≈ HK$183,254/mo (50% DSR)
Upfront cash ≈ HK$18.59M (deposit + AVD stamp duty HK$1,456,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,769
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$96,686
−HK$2,963/mo
Today · 4.125%
HK$99,649
baseline
▲ 0.50% · 4.625%
HK$105,713
+HK$6,064/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$199,298/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,317
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$107,115
−HK$2,838/mo
Today · 4.125%
HK$109,953
baseline
▲ 0.50% · 4.625%
HK$115,749
+HK$5,796/mo
Deposit HK$13.71M · loan HK$20.56M · min. income ≈ HK$219,906/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,456,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,397
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$112,800
−HK$3,457/mo
Today · 4.125%
HK$116,257
baseline
▲ 0.50% · 4.625%
HK$123,331
+HK$7,074/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$232,514/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,703
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$124,967
−HK$3,311/mo
Today · 4.125%
HK$128,278
baseline
▲ 0.50% · 4.625%
HK$135,040
+HK$6,762/mo
Deposit HK$10.28M · loan HK$23.99M · min. income ≈ HK$256,556/mo (50% DSR)
Upfront cash ≈ HK$11.74M (deposit + AVD stamp duty HK$1,456,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,653
−HK$8,821/mo
▼ 0.25% · 3.875%
HK$145,029
−HK$4,445/mo
Today · 4.125%
HK$149,474
baseline
▲ 0.50% · 4.625%
HK$158,569
+HK$9,095/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$298,948/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,476
−HK$8,453/mo
▼ 0.25% · 3.875%
HK$160,672
−HK$4,257/mo
Today · 4.125%
HK$164,929
baseline
▲ 0.50% · 4.625%
HK$173,623
+HK$8,694/mo
Deposit HK$3.43M · loan HK$30.84M · min. income ≈ HK$329,858/mo (50% DSR)
Upfront cash ≈ HK$4.88M (deposit + AVD stamp duty HK$1,456,409 · Scale 2, in force from 26 Feb 2026)