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$78,235
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,669
−HK$2,473/mo
Today · 4.125%
HK$83,142
baseline
▲ 0.50% · 4.625%
HK$88,201
+HK$5,059/mo
Deposit HK$17.15M · loan HK$17.15M · min. income ≈ HK$166,284/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,458,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,036
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,370
−HK$2,368/mo
Today · 4.125%
HK$91,738
baseline
▲ 0.50% · 4.625%
HK$96,574
+HK$4,836/mo
Deposit HK$17.15M · loan HK$17.15M · min. income ≈ HK$183,476/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,458,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,883
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$96,803
−HK$2,967/mo
Today · 4.125%
HK$99,770
baseline
▲ 0.50% · 4.625%
HK$105,841
+HK$6,071/mo
Deposit HK$13.72M · loan HK$20.59M · min. income ≈ HK$199,540/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,443
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,245
−HK$2,841/mo
Today · 4.125%
HK$110,086
baseline
▲ 0.50% · 4.625%
HK$115,889
+HK$5,803/mo
Deposit HK$13.72M · loan HK$20.59M · min. income ≈ HK$220,172/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,530
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,937
−HK$3,461/mo
Today · 4.125%
HK$116,398
baseline
▲ 0.50% · 4.625%
HK$123,481
+HK$7,083/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$232,796/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,851
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$125,119
−HK$3,315/mo
Today · 4.125%
HK$128,434
baseline
▲ 0.50% · 4.625%
HK$135,204
+HK$6,770/mo
Deposit HK$10.29M · loan HK$24.02M · min. income ≈ HK$256,868/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,824
−HK$8,831/mo
▼ 0.25% · 3.875%
HK$145,204
−HK$4,451/mo
Today · 4.125%
HK$149,655
baseline
▲ 0.50% · 4.625%
HK$158,761
+HK$9,106/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$299,310/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,665
−HK$8,464/mo
▼ 0.25% · 3.875%
HK$160,867
−HK$4,262/mo
Today · 4.125%
HK$165,129
baseline
▲ 0.50% · 4.625%
HK$173,833
+HK$8,704/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$330,258/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,174 · Scale 2, in force from 26 Feb 2026)